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[/vc_column_text][vc_empty_space height=”15px”][vc_column_text]The first step to learning about life insurance coverage, is understanding its necessity and importance. Life insurance is essential as a financial instrument that allows you to protect your family and loved ones after your death. It can also be a financial tool while you are alive in case you become terminally ill or can’t take care of yourself.[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/3″][vc_column_text]
[/vc_column_text][vc_empty_space height=”15px”][vc_column_text]The reality is about 1/3 of us between the ages 35 and 65 will become disabled for more than 90 days. One in seven workers will be disabled for more than 5 years often due to illness such as cancer and heart disease. Disability insurance helps if you become disabled and are no longer able to work. If you become sick or are injured and can’t work, will you be able to pay your bills and maintain your standard of living?[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/3″][vc_column_text]
[/vc_column_text][vc_empty_space height=”15px”][vc_column_text]In 2009, the cost of a private nursing home rose 3.3% to $219 per day or $79,935 a year, according to an industry survey. The average nursing home stay is about 2 years or the equivalent of about $200,000. Long Term Care insurance will provide monies to take care of an insured in the event of the loss of daily living activities.[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_empty_space height=”50px”][vc_row_inner row_type=”row” type=”grid” text_align=”left” css_animation=””][vc_column_inner width=”1/3″][vc_column_text]
[/vc_column_text][vc_empty_space height=”15px”][vc_column_text]Business Overhead Expense pays the ongoing business expenses while the insured person is unable to perform job related duties.[/vc_column_text][/vc_column_inner][vc_column_inner width=”1/3″][vc_column_text][/vc_column_text][vc_empty_space height=”15px”][vc_column_text][/vc_column_text][/vc_column_inner][vc_column_inner width=”1/3″][vc_column_text]
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[/vc_column_text][vc_separator type=”normal” up=”20″ down=”20″][/vc_column_inner][/vc_row_inner][vc_empty_space][vc_row_inner row_type=”row” type=”grid” text_align=”left” css_animation=””][vc_column_inner][qode_clients columns=”four_columns”][qode_client link_target=”_blank” image=”100″ link=”http://www.bcbstx.com/”][qode_client link_target=”_blank” image=”98″ link=”https://www.aetna.com/”][qode_client link_target=”_blank” image=”102″ link=”https://www.humana.com/”][qode_client link_target=”_blank” image=”109″ link=”http://www.uhc.com/”][qode_client link_target=”_blank” image=”103″ link=”https://www.metlife.com/”][qode_client link_target=”_blank” image=”106″ link=”https://www.principal.com/”][qode_client link_target=”_blank” image=”226″ link=”https://www.standard.com/”][qode_client link_target=”_blank” image=”278″ link=”https://www.transamerica.com/individual/”][/qode_clients][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” background_color=”#d1a93b” padding_top=”50″ padding_bottom=”50″ css_animation=””][vc_column][vc_row_inner row_type=”row” type=”grid” text_align=”left” css_animation=””][vc_column_inner width=”3/4″][vc_column_text]
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