Insurance

LP Financial Group offers access to the following types of insurance products:

Life Insurance

Insurance is such an important component to any financial plan.  It brings peace of mind to the family in the event of an untimely death.  An effective financial plan includes examining your life insurance needs so that your family is protected.  And there isn't a one plan fits all policy either.  Today's insurance products offer more than just a death benefit.  And we offer an array of products to meet those needs and they can be tailored to fit any need.

Each person/family has their own needs and those need to be addressed.  And those policies need to be periodically reviewed to meet our ever changing life events such as:

  • marriage or divorce
  • birth and/or adoption of children
  • college planning
  • purchase of a new home or second home
  • guardianship of a family member including special needs child
  • financial responsibility for aging parent
  • change in career including starting a business
  • receiving an inheritance

Health Insurance

For those who don't obtain health insurance via their employer, navigating the search for health insurance can be challenging even with the passing of the Affordable Care Act.  We work with clients to explain how the ACA works, if they qualify for a subsidy, the difference between a bronze and silver plan, if COBRA benefits are the best option for those leaving an employer.  We also work with those over 65 and are ready to move over to a Medicare plan.  We can explain the difference between Part and Part B, a Medicare Advantage Plan vs a Medigap/Supplement plan and when its necessary to purchase a Part D drug plan.

We are also able to work with employers in finding the best health insurance plan for their employees.  We understand that each company's budget is different so we work diligently to find a plan that meets the needs of the company.

Disability Insurance

In the event that you become physically unable to work, disability insurance could enable you and your family to maintain their standard of living while you get back on your feet. Disability insurance replaces a percentage of income if you are not able to work due to illness or injury.

Long-Term Care Insurance

Long term care insurance pays for some or all of long term care. Long term care is not the same as traditional medical care. Long term care services may include nursing home care, care in an long term assisted living facility, home health care, respite care or hospice care. Health insurance and Medicare usually will not pay for long term care and Medicaid assistance only pays for long term care for those who qualify.  That usually means those with little or no income and minimal assets.

Personal Lines Insurance

We work with our clients to insure the following:  

  • Homeowners including vacant homes and rental properties
  • Renter's Insurance
  • Mobile Homes
  • Automobile
  • Motorcycles
  • Boats and other Watercraft
  • Recreational Vehicles
  • Umbrella Policies

Commercial & Business Insurance Products

  • General Liability Insurance
  • Commercial Property Insurance
  • Business Auto Insurance
  • Commercial Umbrella Insurance