Long Term Disability Insurance Brunswick GA

My advice to most people is that long term disability in Brunswick is the most critical coverage to maintain during your working years. Statistics show that 70% of people will face a disability of three months or more before the age of 65. Since most of us live by our paychecks, disability is really paycheck insurance. A policy can commence typically after a 90 or 180 day waiting period once the disability has started.

Mr. John R. Murray (RFC®), LUTCF
(912) 265-1932
PO Box 1733
Brunswick, GA
Company
John Murray & Associates Financial Group
Qualifications
Education: 31 Years in Public Accounting and Tax Services.20 Years in Insurance andFinancial Services.
Years of Experience: 25
Membership
IARFC, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, personal Coach, Retirement Planning, Medicaid Planning, Tax Planning, Tax Returns, Seminars Work, Family Offices, Mortgage Loans, Annuities, Life Insurance, Long Term Care Insurance, Medical Insurance, Business Coach, Charitable Planning, Education Plan, Charitable Foundations, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Mr. Maurice O. Miller (RFC®), CEP, MBA
(404) 298-0054
PO Box 1366
Stone Mountain, GA
Company
TM Financial Group, Inc/PBBIC Strategies
Qualifications
Education: BS, MBA
Years of Experience: 16
Membership
IARFC, NAPFA, NICEP
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, Employee Benefits, Mortgage Loans, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Business Coach, Charitable Foundations, Asset Protection, BuySell, LiabCover, Compensation Plans

Data Provided by:
Mr. Scott A. Burrell (RFC®), CSA
(770) 719-1717
101 Devant St. Suite #503
Fayetteville, GA
Company
Pacific General Financial Services
Qualifications
Years of Experience: 26
Membership
IARFC, MDRT, NAIFA
Services
Invoice, Estate Planning, Business Planning, Pension Planning, Executive Compensation Planning, Retirement Planning, Employee Benefits, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, LiabCover

Data Provided by:
Mr. Jonathan J. Neal (RFC®), CSA, MBA
(678) 906-2850
55425 Peachtree Parkway
Peachtree Corners, GA
Company
CCG-Capital Consulting
Qualifications
Education: BS
Years of Experience: 33
Membership
IARFC, MDRT, NAIFA
Services
Invoice, Estate Planning, Pension Planning, Retirement Planning, Seminars Work, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Charitable Planning, Charitable Foundations, BuySell, Compensation Plans

Data Provided by:
Oscar B. Rodrigues (RFC®), LUTCF
(770) 437-8967
2451 Cumberland Pkwy
Atlanta, GA
Company
Private Planners
Qualifications
Education: BSIE, BA
Years of Experience: 21
Membership
IARFC, NAIFA
Services
Invoice, Estate Planning, Business Planning, Pension Planning, Executive Compensation Planning, Retirement Planning, Seminars Work, Employee Benefits, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Business Coach, Charitable Planning, Asset Protection, BuySell, Compensation Plans

Data Provided by:
James D Loftin (RFC®), CFP
(404) 419-2311
3500 Lenox Rd, NE
Atlanta, GA
Company
GERLOFTIN Wealth Advisors, LLC and United Planners
Qualifications
Education: BA
Years of Experience: 14
Membership
IARFC, FPA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Retirement Planning, Seminars Work, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Long Term Care Insurance, Education Plan, Charitable Foundations, Asset Protection, BuySell

Data Provided by:
Mr. Todd H. Martin (RFC®), CLU
(912) 352-9644
315 Commercial Dr, Ste A-4
Savannah, GA
Company
Martin Financial Group, LLC
Qualifications
Years of Experience: 7
Membership
IARFC, MDRT, SFSP, NAIFA
Services
Invoice, Business Planning, Retirement Planning, Annuities, Life Insurance, Long Term Care Insurance, BuySell

Data Provided by:
Harold Lundy
1091 Ashland Drive
Statham, GA
Company
Company: Lundy Insurance Group, Inc.
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Alternative Investments,Disability Insurance,Annuities,Annuity Ideas & Strategy Planning,Asset Protection Strategies & Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicaid,Life Insurance,Long-Term Health Care Planning,Retirement Income Accumulation Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Medicare Planning,Health Care Insurance,Retirement Planning,Retirement Income Distribution Planning

Data Provided by:
Dr. John Colegrove
5425 Peachtree Pkwy
Norcross, GA
Company
Title: Retirement Income Specialist
Company: LPL Financial
Type
Investment Advisor Rep: Yes
Education
Bachelor's Degree in Music Education from UGA in 1993
Masters Degree in Music from the University of Notre Dame in 1995
Doctorate of Music from UNC-Greensboro in 1999
Years Experience
Years Experience: 8
Service
401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Retirement Planning,Investment Consulting & Allocation Design,Planning For Personal Finances & Budgeting,Education Funding & Financial Aid Planning,Stock Market Alternative,Wealth Management,Annuities,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Retirement Income Accumulation Planning,Fee-Only Comprehensive Financial Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Life Insuranc

Data Provided by:
Mrs. Cynthia Lee Nunnally (RFC®)
(706) 543-1219
P.O. Box 49427
Athens, GA
Company
Peachtree Planning Corporation
Qualifications
Education: Univeristy of GeorgiaBachelor of Science, Mathematics
Years of Experience: 19
Membership
IARFC, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Data Provided by:

Smart Insurance Plans

Q: What sort of insurance is best for a single person? I hear continually about life insurance to take care of your family, but what if you don't have a family?

My advice to most people is that long term disability is the most critical coverage to maintain during your working years. Statistics show that 70% of people will face a disability of three months or more before the age of 65. Since most of us live by our paychecks, disability is really paycheck insurance. A policy can commence typically after a 90 or 180 day waiting period once the disability has started. These choices, along with other policy design features, are selected by the insured at the time of application with assistance from a professional advisor. Although this coverage is not inexpensive, it is valuable to have and can easily pay for itself with a single incident. Assuming the policy is paid with after tax dollars, the benefits the policy provides are also tax free. Finally, one can usually insure about 60% to 70% of one's annual reportable income. Most policies require financial documentation to prove earnings, along with an application and medical exam.

The other important coverage that you should consider depending on your age is long term care. Long term care will provide reimbursement for nursing home, assisted living or professional home care expenses. Many of my clients who have seen these expenses within their own family understand the valuable protection a long term care policy provides, as many of these institutions charge multiple thousands of dollars a month. As a reminder, health insurance does not pay for these services and most government plans will only pay for people who are basically destitute. In many instances there is no medical examination associated with the application when acquiring long term care coverage.

As for your question regarding life insurance, I think if the person has any debt at all, a life policy might make some sense even if you don’t have a family. It would also cover all final expenses including a funeral and burial. In the event of your passing, would you want your estate to have any debt or estate taxes due? Term insurance is a very inexpensive life insurance alternative, but the negative is that it will typically not cover you for more than thirty years. There are a variety of life insurance products to choose from depending on your budget and objectives. Most policies require an application, medical exam and phone interview.

I hope this helps!

 

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