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Life Insurance

Preparing For The Unexpected

Although unexpected events in life can be inevitable, it doesn’t mean that you can’t be prepared for them. Our firm can find a life insurance policy tailor-made to fit your circumstances in the event of the unexpected so that you can safeguard your family no matter what.

Our clients expect customized insurance solutions. We will get you where you need to go. There are four specific areas relating to individual life insurance that we can help you with. Our clients are affluent and expect customized insurance solutions. We will get you where you need to go.

High Limit Disability

For individuals, Houghton Financial Partners offers Disability Income protection plans that help to recover a portion of income in the event that you become disabled and cannot work.

High Limit Long-Term Care

For individuals, this can be critical for providing assistance when a serious illness or disability renders them physically or cognitively unable to perform activities of daily life.

Term & Permanent Insurance

Term life insurance policies only last for a limited number of years, so if you live throughout the term that the policy specifies, the policy will expire without a payout. Permanent life insurance covers you for the entirety of your life with no set time frame; however, they also include a cash value component, whereas term life insurance does not.

Premium Financing Insurance

We can help you utilize premium financing techniques for your insurance policies, which can allow you to borrow money to pay for insurance premiums. This is vital if you may want to acquire coverage that you might not be able to afford otherwise, and it can also provide tax benefits and more flexibility in managing your cash flow.

Aligning for Growth

If one or more of these types of life insurance sound like they could be the right fit for you, contact us today to learn more about how we can help you get the coverage you need for you and your family.

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