​How to safeguard your hard-earned income

Your income is one of your biggest asset. And your quality of life depends on it — to cover both your day-to-day and future expenses. If something should happen to you, income protection helps safeguard and secure your family’s financial future.

Disability Insurance

If serious injury or illness keeps you from working, disability insurance can help you maintain your quality of life while recovering.

Critical Illness Insurance

In the event of a big health emergency, such as cancer, heart attack or stroke, critical illness insurance could be the only thing protecting you from financial ruin. Because these emergencies or illnesses often incur greater than average medical costs, these policies pay out cash to help cover those overruns where traditional health insurance may fall short.

Long Term Care

Long-term care (LTC) insurance is coverage that provides nursing-home care, home-health care, personal or adult day care for individuals 65 or older or with a chronic or disabling condition that needs constant supervision. LTC insurance offers more flexibility and options than many public assistance programs.

Annuities

Annuities are designed to be a reliable means of securing steady cash flow for an individual during their retirement years and to alleviate fears of longevity risk of outliving one's assets.