Life Insurance provides risk management to protect individuals, families, and businesses in the event of death.
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Term life insurance can provide the highest death benefit for the lowest cost, with no accumulation of cash value.
- Single Premium Life Insurance
An asset-accumulation vehicle, single premium life insurance funds your life insurance policy with a single premium up front.
- Whole Life Insurance
Providing coverage for your entire life, whole life insurance gives permanent protection plus the benefit of accumulating cash value.
Long-term care insurance pays for the type of day-in, day-out care required if you have a serious long-term illness or disability. Long-term care policies cover skilled, intermediate, and custodial care. The care can be provided in your own home, an adult daycare center, assisted-living facility, group home for specific conditions such as Alzheimer's or, if necessary, a nursing home.
Your income is your most valuable asset. You and your family depend on it to pay for your home, your cars, your bills, your food, your children's school/college - from now until the day you retire. Disability income insurance is the protection you need to help you maintain your lifestyle and protect your family's future if you should become too sick or hurt to work.
A long-term disability policy is activated, replacing a portion of your lost income, when you are unable to work for an extended period. Some, but certainly not all, employers cover their employees with some form of company-paid disability income insurance. Typically, such coverage is only partial or short-term in nature and will usually cover up to 60% of your salary. Thus, many people seek to purchase additional individual disability insurance.
If your company provides disability insurance, check to see whether it's sufficient for your needs. If it's not, or if you don't have an employer-sponsored policy at all, contact a Harbor Financial Consultant. They will work to find an affordable, comprehensive disability insurance policy to meet your individual needs
Investment and Insurance Products are offered through FINTEGRA FINANCIAL SOLUTIONS, an independent registered broker/dealer, member FINRA/SIPC, Office of Supervisory Jurisdiction phone 763.585.0503.
Sterling Savings Bank and FINTEGRA FINANCIAL SOLUTIONS are not affiliated. Harbor Financial Consultants are Registered Representatives of Fintegra.
Investment and Insurance Products:
Are NOT Insured by Any Government Agency
Are NOT Bank Deposits
Carry NO Financial Institution Guarantee
Are NOT FDIC Insured
May Lose Value
Fintegra Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in their respective states of business. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only, and does not constitute an offer to sell, or a solicitation of an offer to purchase, brokerage services to persons outside of the U.S.
