Protection Planning
Available through CUSO Financial Services, L.P.
Has your insurance kept up with the changes in your life? If you’re like most people, you probably already own some life insurance through your employer or insurance you’ve purchased on your own. However, it is still enough to cover all your needs? Have you thought about Long Term Care and Disability Insurance to cover you in case you’re sick or hurt and can't work?
This may sound like its all gloom and doom, but it just takes a few minutes to uncover if you and those you love have enough coverage to ensure your family is protected:
Personal Needs:
- Death before loan/debt repayment can be finished
- Spouse outliving a life only pension plan
- Death before reaching personal goals
- Retirement funding for spouse, child’s education
- Tax-free income
- Disability Insurance
- Long-Term-Care Insurance
Family Needs:
- Death of a primary income earner
- Final expenses
- Dependent income
- Education
- Family goals
- Support of parents
- Wealth transfer/preservation
Business Needs:
- Death of a partner or co-shareholder
- Death of a key employee
- Loss of a key employee to a competitor
- Liquidity of the business in the event of an owner’s death
- Special situations (ex. stock repurchases, fund retirement benefits)
Jack Vadnais, CFP®
Financial Advisor
CUSO Financial Services, L.P.
at Freedom Credit Union
(413)750-5724 office
(413)575-5483 cell
jack.vadnais_freedomcu@cusonet.com
Investment products and services offered through CUSO Financial Services, L.P. (CFS), an independent broker/dealer, are not NCUA/NCUSIF insured, investments not Credit Union guaranteed and may lose value. Representatives are registered through CFS. (Member FINRA/SIPC)
