Life Insurance

Life Insurance is a necessity for most people. We find it very important to evaluate the type of coverage and what it is intended for. Our advice is really pretty simple for most clients. Preplan your final expenses with a permanent preneed life policy (funding a contract by a reputable funeral/cremation provider), buy term life insurance if needed, and invest the difference. Term life insurance is at a historic low amongst AAA rated insurers. We can access 27 different carriers including companies such as John Hancock, ING, Prudential, American General, and many more. This strategy enables the client to establish more liquidity and maintain maximum protection for their family. We do offer larger permanent policies for certain clients that wish to accelerate inheritance, combine long term care benefits with life insurance, or wish to reduce estate taxes with life insurance planning.

Long Term Care

Long Term Care costs and the propensity of people needing care are both exponentially rising. Long Term Care is the type of assistance you would need if you become unable to perform some of the basic activities of daily living or if you require substantial supervision due to a cognitive impairment. Proper long term care planning will enable the client to choose the quality and the location of the care. The state of Oklahoma is a “Partnership” state that offers great incentives for residents to purchase long term care insurance and protect their personal assets. A comprehensive plan will enable you to protect your retirement savings, spend more quality time with your family, gain financial support, preserve your independence, and obtain professional advice and resources if the need for long term care arises. Preplanning Tulsa is an independent agency representing numerous carriers that include Mutual of Omaha, John Hancock, and Genworth Financial.