Committed to your financial success and security

For countless families, life insurance isn’t just a financial product; it’s the cornerstone of their financial security. And it’s not hard to understand why. Can you picture the daunting financial hurdles your family might confront if you or your spouse were no longer there to provide support?

The importance of selecting the right type of life insurance coverage cannot be overstated. It goes beyond just protecting your loved ones; it’s about maintaining a sense of normalcy and security, even in the face of life’s most challenging moments. Additionally, there are life insurance policies available that offer not only protection but also the opportunity to build cash value for long-term goals such as your retirement or your children’s education.

Annuities serve as a partnership between you and an insurance company, offering the promise of future income in exchange for your current assets. You have the flexibility to choose between a fixed-rate annuity, which delivers a consistent income stream each year, or explore variable returns by investing in professionally managed portfolios of stocks, bonds, and other securities. In both cases, your assets benefit from tax deferral, growing steadily until you choose to make withdrawals or start receiving income payments.

Furthermore, many variable annuities provide optional features, often at an additional cost, that provide you with the peace of mind of a guaranteed income level during retirement. This additional layer of security ensures that even if your investments don’t perform as anticipated, you’ll still enjoy a reliable source of income throughout your retirement years.

Has your family’s financial security ever crossed your mind if you were to face a sudden illness or accident that renders you unable to work? Life insurance is invaluable for families after the loss of a breadwinner, but what about situations when that breadwinner is alive yet unable to work?

Long-term disability insurance steps in to provide vital support for you and your family during times of incapacitation. Depending on the specific policy you select, you could receive benefits that cover a portion or the entirety of your salary, along with potential bonuses, stock options, and additional compensation. Our expertise can guide you through the available options, helping you choose the one that complements any existing benefits from your employer.

Here’s another important point to consider: If you’re fortunate enough to have an employer offering a long-term disability plan, it’s crucial to understand the extent of coverage it provides during periods of unemployment. However, if you find yourself either undercovered or self-employed, owning a personal disability policy could be a wise move to ensure your financial well-being in challenging times.

It’s difficult to imagine that one day our loved ones may require assistance with their day-to-day tasks.  Whether it’s long-term care in a nursing home, assisted living facility, or through a home care service, the costs associated with this care can soar into the thousands of dollars each month.

To address these substantial costs, many individuals have made the thoughtful choice to invest in long-term care insurance. These policies offer specific benefits for designated periods of time. While they may not be the most budget-friendly option, they have played a vital role in assisting countless families in caring for their aging parents and relatives. Importantly, they also serve as a means of safeguarding the assets individuals have worked tirelessly to accumulate over a lifetime—assets they aspire to pass on to their cherished loved ones.

Is your insurance coverage aligned with your needs and budget?

When it comes to property and casualty insurance, it’s not just about choosing deductibles and liability limits; it’s about tailoring your policy to suit your unique requirements. Each option you select not only impacts the protection you receive but also influences the cost of your coverage. At Sentinel, we undergo a comprehensive evaluation of your existing coverage to uncover any potential gaps and ensure that you’re not only adequately protected but also at a reasonable cost.

Our property and casualty solutions extend far beyond the basics of car and home insurance. We take a holistic approach, encompassing all your valuable assets. Your peace of mind and financial security are our top priorities.