Life Insurance - Of all the types of insurance available, life insurance is perhaps the most personal. It is a gift to your loved ones and an integral part of your family’s long-term financial plan whether your need is mortgage protection, family protection, or estate planning.
The Wade & Egbert advisors excel at creating tailored life insurance plans for our customers. We take the time to get to know you and your family and will provide you with information and advice to help you adjust your life insurance coverage to your evolving needs, whether you are an individual or young family just starting out in life, or a more mature family with more complex needs.
No matter where you are in the family life cycle, we have the products and expertise to customize a plan for you or your family.
Family Protection -
Mortgage Planning -
Estate Planning - With changes in laws and the availability of new financial products, it is more necessary than ever to plan your estate — or risk losing a substantial portion to inheritance taxes. Passing on your estate to loved ones is only a part of estate planning. Issues such as long-term care are also important, in order to protect your spouse from losing his or her inheritance to medical bills.
Saving you the expense of legal fees, Wade & Egbert professionals will prepare an analysis of your estate at no charge or further obligation. Using this analysis, you will be shown ways to minimize your estate tax liability so more of your estate can be transferred to your heirs. These recommendations can be provided to your attorney and/or accountant so that the entire process becomes a team effort. This is important since each of these professionals provide a different perspective of your unique estate plan.
To request information about creating your estate plan, please contact us.
Health Insurance - Wade & Egbert offers a complete selection of health insurance products for individuals and families, including traditional PPO plans and High Deductible Health Plans. In today’s market, however, offering a wide variety of health insurance plans is not enough. You need an insurance professional who knows and understands the state and federal laws that can dramatically affect your ability to obtain health insurance or to change from one plan to another.
These are the kind of professionals you will find at Wade & Egbert. We can design a plan that effectively protects you and your family with the lowest possible out-of-pocket expense and with the features and doctors you desire. Let us help you through the health care maze.
Disability Income -
What is your greatest asset? Your home? Your business? They both are vital to your lifestyle, and they are a result of your most valuable asset - your ability to earn income. If you become too sick or hurt to work, what would happen to everything you have worked so hard to build for yourself, your family and your future?
You probably think of a disability as something that happens to other people. But, simply believing “it won’t happen to me” doesn’t mean at sometime in our life you won’t be faced with a disabling illness or injury. Becoming too sick or hurt to work can happen to anyone at any time. Let us help you design a disability income replacement plan to protect all of those things that are important to you and your family.
Long Term Care Insurance - With the aging baby boomer population in the United States approaching 80 million, long term care is becoming an increasingly important issue in this country. As Americans continue to live longer, millions will face the prospect of needing or providing long term care at some point in their lives. Twelve million Americans are expected to need long term care by 2020. Last year the estimated median cost for a year in a private nursing home room was $75,190 and the projected cost for 2040 is $324,967.
Medicare and Medicaid cannot come close to covering this cost. What other recourse do you have? Your children? Most young adults are already working hard to protect their financial future. It is unlikely they will have large sums of money required for your long term care. What about savings? Well, have you factored long term health care costs into our retirement savings?
Only long term care insurance can adequately protect you and your family from the potentially devastating effects of paying for long term care.
Long term care insurance is not nursing home insurance. In fact, owning a long term care policy can be your best insurance for staying out of a nursing home. Unlike some other types of insurance, you choose where to spend your benefit dollars, which opens up many alternatives to you, such as assisted living facilities or home health care in our own home.
Trip Travel Policies - In addition to the standard type personal products, Wade & Egbert also offers to our clients’ trip travel accident/medical insurance. Let us get to know you and your family. We will take the time to analyze your situation and offer recommendations that will protect you and your family against unexpected financial burdens.
Click "Seven Corners" to go to the travel website to get an online quote for your upcoming travel.
Dental Insurance - In addition to the standard type personal products, Wade & Egbert also offers to our clients’ dental insurance. Let us get to know you and your family. We will take the time to analyze your situation and offer recommendations that will protect you and your family against unexpected financial burdens.
Vision Insurance - In addition to the standard type personal products, Wade & Egbert also offers to our clients vision insurance. Let us get to know you and your family. We will take the time to analyze your situation and offer recommendations that will protect you and your family against unexpected financial burdens.
Annuities - In addition to the standard type personal products, Wade & Egbert also offers to our clients personal annuities. Let us get to know you and your family. We will take the time to analyze your situation and offer recommendations that will protect you and your family against unexpected financial burdens.
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