We insure ourselves against potential losses that we cannot otherwise afford. Cascade Investment Group helps clients review and put in place life, long term care and disability insurance. We can also provide a variety of annuities for those looking to insure part of their income. The purchase of an insurance policy must be part of a comprehensive plan and not a product that stands alone.
As an independent company, we search numerous insurance carriers to find the right fit for you.
Life insurance benefits the people you care most about. You have life insurance to create assets to be used for income, pay off liabilities, fund future expenses or pay taxes in the case of your premature death.
Long Term Care Insurance
Estimates expect roughly 40% of us will need some form of long term care as we grow older. Expenses related to long term care can come from a number of resources – savings, investments, retirement plans, selling the family home and more. One option available today is long term care insurance. A long term care insurance policy pays for many of the expenses related to care – whether in an assisted living facility, nursing home or your primary residence.
The average American has a greater likelihood of having a disability preventing work for a period of time than passing away before reaching retirement. Disability insurance provides you with replacement income when you cannot work. Individual policies often offer greater flexibility than company policies and are portable when you change jobs.
Individuals purchase annuities to accomplish several goals: guarantee income, shelter investments from taxes and enhance death benefits on their accounts. Today, insurance companies offer wide ranges of annuities offering simple to complex benefits. We can help you navigate current offerings and complicated products if you decide an annuity fits your protection and risk management plan.