LIFE INSURANCE

Whether you’re just starting out or you’re getting ready to retire, we can help ensure your loved ones are protected. A lot happens throughout your life—and as your world changes, so do your life insurance needs. Now is the perfect time to protect the life you have now and the one that lies ahead of you—at a reasonable rate. Life insurance can help protect your family’s future by helping you pay off your mortgage.

You’re experiencing some of the biggest and best moments of your life; from expecting a new baby to buying your first house. Now is the time to reassess how life insurance can provide security through your golden years. You have a lot to protect. Without a doubt, your first priority in life is taking care of your children–this is a good time to start thinking about their future. You can provide financial stability to help protect the life you envision for them. Your life insurance can cover everything from educational costs for your children as well as better prepare those who will be counted on to help raise your children should the unthinkable happen. Your loved ones may use the death benefit to help pay for final expenses, such as estate administration and burial costs.

Borrowing or withdrawing from a life insurance policy that carries a cash value may provide funds when you need it. Life insurance may help replace retirement income. For couples relying on Social Security or a pension, life insurance can help replace lost income if one of you passes away or help offset unexpected medical costs.

*Withdrawals and loans from a life insurance policy reduce the death benefit and cash value, may increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured. Life insurance should be purchased by individuals that have a need to provide a death benefit to protect others with insurable interests in their lives against financial loss. Life insurance is not a retirement plan, investment, or savings account.

LONG TERM CARE PROTECTION

You want to live out the last days of your life as comfortably and with as much dignity as possible. Whether you prefer home health care or living in a nursing home, preparation can reduce the expense and burden of long-term care on your loved ones.

Shoals Premier Strategies offers specific products, based on life insurance and annuities, which can provide long-term care benefits if care is needed. If you never need care, your asset passes to the next generation and becomes part of your legacy — making asset-based long-term care an alternative to traditional long-term care insurance.

SUPPLEMENTAL INSURANCE

Supplemental insurance is additional coverage that you can use to help with the out-of-pocket expenses that may not be covered by your major medical insurance. Have you ever had expenses not covered by your major medical plan? 

Supplemental Insurance may include the following:
Accident Insurance, Cancer Insurance, Critical Illness Insurance, Pet Insurance, Hospital Insurance, Short-Term Disability Insurance, Dental Insurance, Supplemental Dental Insurance, Vision Insurance, Supplemental Vision Insurance