Three different insurance products may comprise an Income Protection Plan. Disability income insurance replaces your income when illness or injury impairs your ability to earn an income. Life insurance seeks to provide replacement of income for your family after your death. Long-term care insurance seeks to protect your wealth and assets from costly medical and nursing-care expenses you may incur during an extended period of illness or injury.
We offer access to a wide range of products and services for our clients. Below you can familiarize yourself with varying insurance products and some of the leading providers of those products. Our services allow you to choose from nearly all insurance companies operating in the United States. As a result, we can match a product to your specific needs and goals while considering the insurers’ financial ratings, contractual provisions, and cost.
Our insurance brokerage service allows us to recommend the appropriate product for our clients based upon their specific needs and budget. Several of the leading providers of insurance are listed below and are available to you through our firm.
Our insurance brokerage services allow us to recommend the appropriate disability product based upon your occupation (medical specialty) and required optional provisions (riders), e.g. lifetime benefits, partial benefits, inflation protection (COLA), catastrophic disability benefit (CAT) rider, guaranteed insurability (FIO), etc. To determine the amount of coverage you should maintain, click here Income Ratio Guide.
Several of the leading individual disability income insurance policies are listed below:
Our insurance brokerage service searches a database of more than 240 life insurance companies to find the strongest insurer and the best value based on your specific needs, e.g. length of coverage, convertibility feature, guaranteed insurability, etc.
Several of the leading providers of life insurance are listed below:
Our insurance services allows us to recommend the appropriate long-term care product based upon your specific needs. Several of the leading Long-Term Care insurance providers are listed below:
Contact us today at (818) 783-6620 or by email at firstname.lastname@example.org for a complimentary, no obligation consultation to learn more about how Kaplan Financial can help you pursue your financial goals.
Riders are additional guarantee options that are available to an annuity or life insurance contract holder. While some riders are part of an existing contract, many others may carry additional fees, charges and restrictions, and the policy holder should review their contract carefully before purchasing.
Guarantees are based on the claims paying ability of the issuing insurance company. Before you purchase, be sure to ask your financial advisor about the insurance policy’s features, benefits, risks and fees, and whether the insurance policy is appropriate for you, based upon your financial situation and objectives.
Insurance products sold in CA are offered through Kaplan Financial & Insurance Services