Individual Life and Health
Most people think of life insurance as a pot of money that, upon their demise, is given to the policy beneficiaries. That is a simplistic view, as life insurance is so much more. Life insurance is designed to give you the assurance that your heirs will be taken care of when you’re no longer there.
The gift of life insurance can:
- Ensure a college education for your children
- Pay off your house or other bills to lessen the burden on your significant other
- Provide care for a special needs child
- Enable the surviving parent to stay home with young children
- Give needed funds to a favorite non-profit or charity
Life insurance is a bit like leaving a legacy. The time and care you take now selecting an appropriate life insurance policy will help further the dreams and goals of your loved ones – possibly the same dreams and goals you had for them.
Working with a Cornerstone Advisor, you can assess your total life insurance needs based on a variety of factors, including other investments and the amount of life insurance you might have through your employer.
The Affordable Care Act (ACA) has revolutionized the health insurance industry. Being denied health coverage because of pre-existing conditions is a thing of the past, and government tax credits can make health insurance affordable for most.
A major change in health insurance requirements is that it is no longer voluntary. The ACA mandates that all individuals be covered by insurance. Ignoring this requirement means you will be subjected to a fine at tax time.
If you are seeking an individual or family plan, Cornerstone can help! We offer plans from many major carriers and can customize a plan for your unique situation.