Insurance Services
Life Insurance
One of the most important roles of life insurance
is to replace the income that would be lost in the event of an untimely
death. In addition, life insurance can be used to help conserve
an estate that has been accumulated with hard work. Or, keep a small
business off of the auction blocks.
Financial Advisory Service, Inc. is able to assist
in quantifying your insurance needs, determining the proper product,
and assisting in proper ownership and beneficiary designations so
that your personal or business concerns are well taken care of.
Our independence allows Financial Advisory Services,
Inc. the flexibility to peruse the marketplace and find the best
possible insurance product for our client given their specific circumstances.
Whether the need is for income replacement, estate conservation,
or business succession, we are able to provide a strategy designed
to meet these objectives in the most cost effective manner.
Term Life Insurance
Affordable, low-cost coverage for a specified period of time chosen
by you
Whole Life Insurance
Lifetime coverage with guaranteed premiums and benefits
Universal Life Insurance
Flexible coverage and premium options to accommodate your changing
needs
Variable Universal Life Insurance
Flexible coverage and premium options to accommodate your changing
needs, plus the ability to invest accumulated cash values in the
equity markets
Long Term Care Insurance:
If you are concerned about the rising costs of home
health and nursing home care, long term care insurance can provide
you with comfort knowing that you will not outlive your assets and
become a burden on your family or the state.
While the insurance is warranted for many, it is not
purchased because of the complexities inherent in the product such
as daily benefit, waiting period, simple or compounded benefit increase,
non-forfeiture provisions, benefit period, etc. Financial Advisory
Service, Inc. is able to assist you in wading through these complexities
to structure the insurance so that it meets your needs and objectives.
Because of our independence, we are able to
peruse the marketplace and find the best possible long term care
insurance product for our client’s given their specific circumstances.
If you have questions or comments please click
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