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Income Protection / Asset Preservation

"Asset Preservation For Your Loved Ones"

Do you have adequate disability protection  . . . which will pay you if you cannot work?  

Do you receive income from sources  . . . which would continue if you were disabled?   

Have you provided for the possibility of a long-term care or nursing home need during retirement?

Do you need creditor protection?

For most people, long-term care is a frightening prospect.  Nobody likes to think about assisted living, disability, or protracted illnesses such as Alzheimer's.  Planning for the possibility of long-term care expenses is imporIncome Protectiontant, but you may be putting it off.  Or, perhaps you have already done some long-term care planning.  If that is the case, when is the last time you reviewed your plan?  Are you sure it is still adequate to meet your potential future needs?

Even if you do eventually require long-term care, you want to remain in control of your life.  You want to choose your own assisted living facility, rely on the doctor of your choice, and receive the best care possible.  This control requires planning up front.  Because your future lifestyle and that of your family depend on your long-term care plan, it is important not only to implement long-term care solutions, but to review these solutions periodically.

The ability to earn an income is one of your greatest assets.  What would happen if you lost this ability?  Such a loss can have dire consequences for you and your family making it impossible to maintain the lifestyle that you desire.

Tragedies can destroy your financial future if proactive measures have not been taken to protect your family if you become disabled. Moorman, Harting Financial Services, Ltd. specializes in advising you on the proactive steps that you can take to protect your income and preserve your assets.  We will recommend the proper mix of investments and disability coverage to help keep income flowing to you.  Such measures could include income protection insurance which covers up to 75% of your gross income and is paid directly to you.

At Moorman, Harting Financial Services, Ltd., we will develop a well-designed plan structured to minimize the financial impact of life's unforeseen tragedies.  Our comprehensive plan includes:

bullet Long-Term Care Insurance
bullet Disability Insurance

For more information on how to protect your current income and future earnings, give us a call.