Insurance/Risk Management

You cannot predict the future. But you can prepare for it.

The key to protecting yourself and your family against major financial catastrophes is to have a suitable amount and type of insurance coverage. Too much coverage can be just as ill-advised as too little, but for different reasons.

 

Mosaic will prepare and present a Menu of Solutions™.

 

Life Insurance

Often, the birth of a child or the purchase of a home motivates one to purchase life insurance. But we would argue that even if you have life insurance, there is no time like the present to evaluate your options. Whether your needs involve term insurance or cash value insurance, Mosaic will help you examine a wide range of options designed to work in tandem with your other goals. Life insurance can be an integral piece of the estate plan, in addition to being a good common sense approach to guard against the unknown.

Disability Income Insurance

We insure our home, savings and other property. All of this is supported by one’s ability to earn income. If you are unable to work because of an unexpected illness or injury, disability income insurance provides a valuable source of replacement income for you and the people who depend on your income.

Long-Term Care Insurance

We all have relatives or friends who have experienced the need for long term care. Such care can be expensive, especially if we opt for care in our homes. Using your own income or investments may not be the most cost-effective way to pay for long term care and it could diminish your retirement income. Let us help you plan for you or your family’s long term care.