“If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.” – Suze Orman
You can plan everything in life with the best intentions. Then a tree falls on your home, a parent gets sick, your spouse get sick, or you unexpectedly die. These tragic events happen to good people like you every day, but with proper risk management, your family can be protected.
We Aren’t Insurance-Only Professionals
Insurance-only professionals are only compensated through the insurance products you buy. It is possible that your interests may come first in this type of relationship, but it’s less likely. Here’s why: Most insurance products are designed such that the bigger the policy sold the bigger the commission. Your Rightirement Wealth Partners advisor has committed to serve as your fiduciary. Our advice will always be in your best interests first. If your financial situation warrants insurance, we will calculate adequate coverage amounts and work across the spectrum of insurance companies to find attractive pricing. Furthermore, we will analyze cost and effectiveness over the life of each insurance policy to
make sure that prospective insurers have not buried costly increases in the future to make today’s pricing look better. Content is for general information only and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. State insurance laws and insurance underwriting rules may affect available coverage and costs. Guarantees are based on the claims-paying ability of the issuing company. For information about specific insurance needs or situations, contact your insurance agent. You may also visit your state’s insurance department for more information.
Our Insurance Offerings
Protecting your family against unforeseen circumstances helps support your financial health. When building your financial plan, we consider only insurance options that would fit your needs and nothing more.
You only have one body and one mind. Aside from the devastating effects of severe illness and the emotional toll it takes on your family, a great deal of money can be lost in treatment. Health insurance can help mitigate the heavy cost of healthcare in the United States and prevent heavy financial losses.
Your castle, your cars, and everything in them can be gone in an instant, but it’s only possessions – possessions that can be replaced. Property insurance can’t replace those family mementos, but it can get your life back in order after a disaster. Losing everything you own doesn’t have to mean financial devastation.
Long-term Care Insurance
What happens if you become disabled and can’t provide for your family? Will your current investments suffice if you can no longer work? LTC insurance helps supplement the cost of your care and provides ongoing financial support for your family.
At any moment a psychological or physical illness could put you out of work for a short or long period of time. Disability insurance can help bridge the gap while you get back on your feet and back to work.
Death comes for us all and we aren’t all guaranteed to live to 100 or more. Should you pass away before the end of your career, life insurance can cover lost income, basic living expenses, your debts, and much more. This type of insurance can be the difference between leaving your loved ones without a roof over their head and prospering well past your untimely death.