- Life Insurance
- Disability Income Insurance (personal and corporate sponsored)
- Long Term Care Insurance (personal and corporate sponsored)
- Fixed and Variable Annuities
- Private Placement Life Insurance
- Private Placement Variable Annuities
- Home, Auto and Umbrella Liability Insurance
- Ownership Structure, Trusts
- Buy/Sell Agreements (Life and Disability)
- Key Personal Coverage
- Business Succession Planning
Because asset protection, risk management and insurance are critical elements in any financial plan, John Thomas Financial customarily reviews clients’ insurance portfolios and identifies the creative strategies designed to help meet their changing needs at every stage in their lives. Do clients have the right amount of coverage? Do they have the right policies and carriers? Would an annuity be an appropriate part of their risk management planning?
John Thomas FinancialLIFE INSURANCE portfolio consists of products offered by some of the country’s best insurance carriers. Whether the client needs a simple life insurance policy or a more complex private placement life policy, John Thomas Financial specialists have the expertise and resources to meet that need.
The ability to earn an income is the bedrock for financial security. What would happen if that were taken away? John Thomas Financial understands the importance of DISABILTY INCOME INSURANCE, an often overlooked piece of an individual’s affairs and specializes in providing the most appropriate coverage for out clients.
And finally, as LONG-TERM CARE costs continue to rise, about 10 million Americans age 65 and older now depend on long-term-care services, and that number is expected to double by 2040. Additionally, an estimated 70 percent of people who reach the age of 65 will need some form of long-term care before they die. Our long-term-care specialists work with each client to identify the appropriate coverage and carrier that will best protect their assets and preserve their independence.
Selecting the right insurance is a critical element in a comprehensive program of risk management, but it is only one element. As clients’ lives change, so do their needs. The specialists at John Thomas Financial review with clients their entire portfolio regularly to help minimize the risk and maximize financial security.