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Life & Health Insurance
There are
many different circumstances that determine a person's need for life,
health or disability insurance. The underlying purpose for all such
insurance, however, is sound financial planning. Insurance is designed to
protect your financial assets and your potential earning power should you
become ill, disabled or you die.
Life Insurance
 What would your
family's financial picture look like if you should die? Life insurance
provides a stable financial future for the family of the primary wage
earner in the event of an untimely death. It may also be important to pay
for the burdens of childcare, funeral costs or other unforeseen expenses
that can arise upon the death of a person who is not the primary wage
earner. Life Insurance can also play a key financial role if you own a
business or are a key employee. Lakeview Insurance will help you select the
policy that is right for your needs. We will help you select a company that
will deliver its promises for the future and give you the best combination
of coverages and premiums. Lakeview Insurance offers life products to fit
both your personal and business needs including universal life, whole life,
term, mortgage life insurance, and group life.
Health Insurance
Lakeview
Insurance offers a variety of health insurance plans and products. Nothing
is more important than protecting your health or the health of your loved
ones. When you choose a health insurance plan you want
coverage that meets your healthcare needs and fulfills your financial
goals. If you are self-employed, don't have health insurance through your
employer, are not covered by a spouse's plan, are between jobs, or simply
need supplemental coverage Lakeview Insurance can tailor a plan to your
specific needs. We can also help if you are an employer and want to provide
a health insurance benefit to your employees. Don't take chances with the quality
of your health insurance plan. Contact us to discuss how we can provide the
right coverage at the right price.
Disability Insurance
 Ask yourself this
question: "Am I better prepared for death than for disability?"
If you're a typical American, you are far better prepared to die than to
become disabled for a prolonged period. However, the statistics show you
are more likely to suffer a long-term disability than you are to die.
Disabilities like depression, cancer, back problems, coronary disease, stroke,
and many other diseases and accidents disable thousands of Americans each
year. While life insurance protects your earning power if you die,
disability insurance protects your earning power if you are disabled and
cannot work. When you are disabled, disability insurance helps you and your
family meet everyday financial obligations.
Long-Term Care Insurance
What would
happen if you or your spouse could no longer care for yourselves? Do you
have the financial resources to pay $250 a day for a nursing home stay?
Would the costs of long-term care wipe out your nest egg and leave you
destitute? If you are like most of us, you don't even want to think about
it!
Many people
assume Medicare or Medicaid will pay for such care, but that is not the
case. Medicare pays limited amounts for skilled care after a hospital stay.
It does not cover personal or custodial assistance, such as bathing, eating
and dressing, which is the type of long-term care most people will need.
Medicaid does pay for nursing home stays and some home care, but only for
individuals who meet the state's poverty guidelines. Most states require
that you "spend down" nearly all of your money to become eligible
for benefits. Do you really want to do that?
To protect
yourself against the catastrophic costs of care in nursing homes, your own
home, or assisted living facilities, you should consider long-term care
insurance. Contact us for more information about affordable plans.
Contact our
specialists for a thorough review of your life, health, disability, and
long-term care insurance needs.
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Name (Click to Email)
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Phone
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Extension
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Izzy
Paluch
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773-871-8000
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18
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