One of the least understood forms of protection is personal liability insurance; and with its capacity to form an extensive umbrella of financial protection for a low cost, it can also be the most overlooked. Most people don’t consider it because they think they have plenty of liability coverage in their homeowners and auto insurance policies.
If a homeowner loss involves property damage, take practical steps to prevent further damage. For instance, if windows are broken, board them up. The extra cost of preventing further damage is actually included in homeowner insurance policies.
The purchase of a life insurance policy may never make anyone's top ten list of favorite things to do. But, when given the opportunity to consider the range of purposes it can serve, it could turn out to be the most important financial instrument you own.
Health Insurance
As health insurance specialists, we understand the ins and outs of health care coverage. And not just policy deductibles, out-of-pocket maximums, coinsurance, donut holes, in-network, out-of-network and other sometimes confusing health policy options.
Disability Insurance
Contact an insurance specialist at CFA Insurance Agency, LLC today to answer any questions about Disability Insurance (Individual) or for a free review and insurance quote for Disability Insurance (Individual).
Long Term Care
It’s daunting to think about the day when you may not be able to live independently and care for yourself. But planning early for long-term care can keep you from becoming overwhelmed in the event that you develop a chronic illness, disability or other condition. By planning your care now, you’ll be more likely to have greater control over significant decisions and remain comfortable as you get older.
Dental Insurance
Comprehensive employee benefit plans for the business community including health insurance, disability insurance, long term care insurance, 401(k), dental insurance, life insurance, fixed annuities, mutual funds, retirement plans, sec. 125.
We take pride in our consultative approach; at CFA Insurance Agency, LLC we take the time to understand your changing insurance needs, and will put a personal insurance or business insurance program in place that will deliver economy, superior protection, and risk management assistance.
Fixed Annuities are a type of insurance contract where an insurance company makes a series of guaranteed payments in exchange for a sum of money at the outset of the contract; some fixed annuities will provide for a payment plan over time to build up the annuity lump sum. Guarantees are backed by the claims paying ability of the issuer. This type of investment instrument can help stabilize investment income, defer taxes on investment earnings, and is often part of a financial strategy for retirees or those contemplating retirement. Because of the guaranteed income stream provided by the fixed annuity, the insurance company, rather than the insured (annuity owner), takes the investment risk. Some withdrawals or distributions may be subject to surrender charges, as well as ordinary income tax at any age during the specified term of the contract. If withdrawals are made prior to age 59, a 10% early withdrawal federal tax penalty may apply.
Liability Insurance
One of the least understood forms of protection is personal liability insurance; and with its capacity to form an extensive umbrella of financial protection for Read More Subscribe to Insurance