The biggest threat to your retirement portfolio is you (or spouse) needing long term care. This is why long term care insurance is the most important piece of a retirement plan. There’s a good chance that you may need to pay for nursing home, assisted living or, home health care one day. In fact, more than half of the U.S. population will require long-term care at some point in their lives.
Long term care insurance has 5 types of policies for your consideration. It’s an important decision you need to make and it’s not for everyone. I am certified to help with the long term care partnership, a program designed to protect your assets if a claim occurs. Typically, a long term care policy is only purchased once in life, so get all your options.
Many factors go into long term care quotes and determining the right plan. A thorough evaluation is used in determining the right plan. Please fill out the contact form or give us a call and we can discuss your best option.
You have worked hard to build your nest egg. Now it's time to end the worry and enjoy your rewards. If 2008 and losing 40% of your hard nest egg is a worry of yours, Annuities can reduce or eliminate these concerns.
An annuity is a contract between you and an insurance company that is designed to meet retirement and other long-range goals, under which you make a lump-sum payment or series of payments. In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date.
Annuities typically offer tax-deferred growth of earnings and may include a death benefit that will pay your beneficiary a specified minimum amount, such as your total purchase payments. While tax is deferred on earnings growth, when withdrawals are taken from the annuity, gains are taxed at ordinary income rates, and not capital gains rates. If you withdraw your money early from an annuity, you may pay substantial surrender charges to the insurance company, as well as tax penalties.
There are generally three types of annuities — fixed, indexed, and variable. Fixed and indexed annuities allow you to enjoy the positive market gains without the loss of your principal in down markets. If an annuity is an option that you would like to explore, I can help you find the one that will meet your income goals in retirement.
Disability is the most important insurance you carry. Becoming disabled through an injury or sickness can mean a significant loss of income. It doesn’t take long to begin to feel the pressure and fear of covering every day bills. Protecting your income with a disability insurance policy may be the most important decision you make. If you can’t pay for your home, auto or other important bills due to a disability you could lose your most important assets. If you want to protect your paycheck, disability insurance is the solution.
Types of Disability Insurance:
If you would like a no obligation review of your disability insurance needs, please contact me.
While I do not personally provide these services, I have partnered with agencies across the country that I know, like and trust to help you. If you need a qualified referral for home, auto, business or group health insurance, please let me know and I will put you in good hands for a no-obligation review and quote.
Ruhm Insurance Agency, LLC. will not sell, solicit, discuss or distribute your information without your consent or permission. We adhere to the Health Insurance Portability and Accountability Act of 1996 also known as HIPAA.
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Cincinnati, Ohio, United States
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