The Types of Insurance You Need
Insurance protects you and your family from catastrophic losses caused by events that are out of your control. Working with our insurance experts, we as your financial planners at Cain & Osborne can give you the advice you need to make the right choices in insurance products.
Term, life, whole, universal—we sort out all the terms for you. While life insurance is for the people who are most important to you, it’s important for everyone to cover final expenses. By purchasing life insurance while you’re young and healthy, you save on a lifetime of lower premiums.
No choices here, folks. If you own a car, you have to have it. But the options can be overwhelming. We can refer you to one of our trusted auto insurance agents so you get the help you need to purchase the options that work best for you.
You’ve seen the news stories delivered by a reporter standing in front of a burning home or business: “And they had no insurance.” Don’t be one of those people, ruined for less than the price of a cup of coffee a day. We can refer you to one of our trusted home insurance specialists who can design the right policy for your home, vacation, rental, or business property.
Your income is your largest and most important asset. If you don’t protect it, you could face many difficult choices for you and your family.
Critical Illness Insurance
When a serious medical condition hits, it may release a whole new set of needs, from special equipment to continuing expenses like nursing care. Critical illness insurance kicks in when you need it most so you don’t have to take slices out of your savings.
Long-term Care Insurance
When you need long-term care, you want to be as comfortable as possible. When public care just isn’t enough, long-term care insurance gives you the resources to make the choices you want for your care for your lifetime.
Extended Health Care Insurance
Government plans cover a lot of your health care needs, but not all of them. Over the course of a year, the extras for things such as dental care and medications all add up. Extended health care defrays those costs.
A broken leg on the ski hill can cost you thousands. Upgrade a travel medical policy to comprehensive coverage for cancellation fees, lost baggage, and trip delay expenses.