Life insurance &
disability-income Protection
Life Insurance
Disability-Income Protection
We understand the importance of safeguarding your income and ensuring your financial well-being when unexpected events occur. Our comprehensive income protection insurance plans are designed to provide you with a reliable safety net, offering regular income if you’re unable to work due to illness or injury.
LIFE INSURANCE
Grief is difficult enough, make sure that your family
and loved ones are not burdened financially after
your death.
Life insurance is a financial protection policy for your family that gives them a tax-free cash payment if
you die while the policy is in effect.
LIFE HAPPENS…What happens if?
Most often a policy is discussed in terms of the protective value of the policy upon the death of the insured individual, but often ignored are the tangible Living Benefits of how a life insurance policy can assist you as you go throughout life.
- Providing an automatic Systematic Savings Benefit through premium payments of which a portion is allocated to the cash value portion of the policy
- Protection of a debit, mortgage, or monthly rent payment in the event of an extended Illness or sickness
- Living Benefits provide coverage and assist with the payment of bills or unexpected emergencies that arise during an individual’s lifetime
- Financial security and protection for a spouse and children in the event of an unforeseen, unexpected, unplanned illness, sickness,
or accident - Your existing and future medical bills could be paid form the cash value buildup of an individual policy
- A retirement plan can be protected using the Critical Care and
Living Benefits features of a policy in the event of future
unplanned for health care cost
life insurance policy can assist you through every age and stage
of your life!
Disability – income PROTECTION
The majority of individuals in Nevada work for companies
that Do Not provide any benefit for loss of income due to an
unforeseen illness or accident – both on and or off the Job. Nor
do they cover an extended illness that requires medical care
and recuperation to become well again until able to return to
work and your paychecks start again. The right coverage can provide you with a paycheck if you are unable to work.
For Individuals
What is your most important asset? Is it your car, your house,
your toys like a quad bike? You insure those things against
potential loss because they are important to you, but do you
insure your ability to earn money to pay for all those tangible
things you own? Your most important asset that needs protection
is your income. Make sure that your livelihood is protected from an unexpected event such as an accident or prolonged sickness that can keep you from working. Income protection can help you and your family pay the essentials such as rent, electricity, car payment, etc. while you focus on recovery.
Senior Dental, Vision & Hearing Coverage
Compliment your Medicare Supplement insurance plan with available extras.
FINAL & BURIAL
EXPENSE COVERAGE
As Americans live longer, living expenses continue to increase
and so do funeral costs. Often people think that need is far off
or do nothing about planning for this event occurring in their lifetime. When the time comes to pay for these costs it is
important to have these expenses covered by a separate
policy and not have to take funds that would normally pass
on to your living beneficiaries.
-
The majority of funeral and burial costs today are related to cremation costs which average from $10,000-$12,000 and
could cost more depending on how extensive the type of
funeral and burial plan are desired by the insured and/or
their family. -
Our agency can assist in helping you find the right funeral
and burial expense life insurance to fit your needs and budget.
Gina Aguerre, John Collier, and our dedicated team of
agents understand your concerns with finding the right
plan. We’re here to help you choose the best plan that
fits your budget, meets your needs, and enhances your life.
Need a quick quote? Give us a call at 775.829.1221
JOHN COLLIER