Insurance Planning

Life Insurance

Using life insurance is the smartest thing that a family can do to create a proper safety net in the event of an untimely death. It’s an integral portion of any sound financial plan. But how do you know what type of insurance to buy? Should you have permanent coverage or simply term policies? How does one assess the amount of death benefit that is appropriate? How will your situation change as the years go by?

At Schiffman | Grow & Co., we can help you answer these questions and more. We are independent agents representing the finest insurers in America. We will assess your needs and shop your case among carriers in order to secure the best possible rate. Obtaining life insurance can be an extremely complicated process. It is our goal to satisfy your family’s scenario, monitor for changes, and revisit your needs in the future.

Long-Term Care Insurance

Few events in life can be as devastating as a lengthy illness.  Aside from the physical and emotional challenges that a family will experience, there may also be significant economic impact.  Having an intelligent long-term care strategy can protect your assets in a meaningful way.

The professionals at Schiffman | Grow & Co. can help you craft a solution that will be an affordable safeguard.  We represent several carriers who offer traditional long-term care coverage, as well as companies that offer LTC riders within a life insurance policy.  We also have single premium hybrid solutions for clients who do not want annual payment obligations.  Our job is to help you make an informed long-term care decision as an integral part of your overall financial plan.