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Life insurance – protects your family in case of your death by providing funds to pay outstanding debts and ongoing expenses; the death benefit proceeds are usually received on a tax-free basis |
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Disability insurance – pays you an ongoing income if you become disabled and are unable to pursue employment or business activities for either a temporary or long-term basis |
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Long-term care insurance – provides funds for nursing home, home health care, an assisted living facility or adult day care expenses associated with an array of medical and support services for individuals with degenerative conditions (e.g. Parkinson’s), prolonged illness (e.g. cancer), a cognitive disorder (e.g. Alzheimer’s) or an inability to perform a number of routine daily living activities |
