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Financial Protection

Wealth and business perpetuation can be made easier with proper planning and the strategic use of insurance. Whether your needs are for you or your business, Rue has the knowledge and experience to guide you through the maze of financial products. Rue’s advisory services encompass basic mortgage protection with term life insurance to complex wealth transfer and estate planning techniques. On the business perpetuation side, our experts work in conjunction with a team of carefully selected advisors to design buy-sell agreements, key employee insurance and deferred compensation programs. Whatever your financial protection needs, our advisors are Ready to help.

Life Insurance

Life Insurance provides peace of mind that your family’s financial future is secure. Life insurance can help your family:

  • Maintain their current standard of living
  • Pay the home mortgage
  • Pay off debts, estate taxes, and final expenses
  • Pay burial expenses
  • Fund a child’s education

There are several types of life insurance available to meet your needs. The two main categories of life insurance are term insurance and permanent insurance.

Term life insurance
Offers protection during a specified period of time, usually one to 20 years. If you stop paying premiums or live beyond the specified period of time, the insurance stops.

If you have anticipated responsibilities for certain time periods, then a term life insurance policy is a good fit. For example, you may want to buy a term policy that matches the duration of a home’s mortgage or a child’s education to ensure your loved ones are protected if anything happens to you. Term life insurance is an affordable way to get maximum coverage.

Permanent life insurance
Protection for life, as long as you pay your premiums. These policies offer more flexibility and options to choose from. They can build equity in the form of a cash value.

If you are interested in a lifetime of coverage, then a permanent life insurance policy is a good fit. Initially, the premiums are higher than the term life insurance, but it may be more cost effective in the long run.

You are not limited in your life insurance options. A combination of term and permanent life policies may best meet your needs.

Disability Insurance

Protecting your assets is critical to any personal financial plan. One asset that is often overlooked is your income. A long term disability policy provides the protection that you need should a debilitating accident or disease occur.

Should you lose your income, your living expenses rarely decrease and most likely will increase. A disability policy can enable you to maintain your standard of living without depleting your assets. Any individual that earns an income should consider purchasing a long term disability policy. However, not all policies are created equally. It is important that you work with a disability expert that can provide you with the best policy contract terms, proper definition of disability and reputable insurance carrier. Our licensed disability experts can provide you with advice on:

  • Definition of Disability
  • Specialty and Sub-specialty Definitions of Disability for Physicians and Attorneys
  • Residual Disability Benefits Riders
  • Cost of Living Adjustment Riders
  • Retirement Protection Riders
  • Disability Buy-out
  • Business Overhead Expense Replacement

Long Term Care

Long-term care includes assistance with daily activities either in your own home or in a facility. Unfortunately, this care is expensive and you could spend your life’s savings in a short amount of time. Medicare does not cover long-term care.

However, long-term care (LTC) Insurance can help. LTC insurance can cover in-home assistance, assisted living, adult day care, visiting nurses and nursing homes. LTC insurance covers expenses that health insurance and Medicare do not cover.