Life & Disability Income Insurance
Life will never be free from uncertainty. But when
uncertainty is minimized, life can be maximized. No
matter what stage of life you are in, if someone depends
on you financially, you should consider reducing their
uncertainty by protecting them with life insurance. In the
event of a tragedy, life insurance proceeds can:
• Help pay the bills and meet ongoing living expenses
• Pay off outstanding debt, including credit cards and
• Finance future needs like your children's education
• Protect a spouse's retirement plans
The ability to work and earn a living makes everything
else possible. It’s our most valuable asset. And it
deserves protection. Our income earning potential can
be protected with disability income insurance. Disability
income insurance provides income if you are unable to
work because of an illness or injury.
No one expects a serious injury or illness to strike, but
disability can happen to anyone at any time. You don’t
hesitate to insure your home, your car or other
valuables, so why wouldn’t you protect your income?
Think of it as insurance for your paycheck.
Medical / Dental / Vision Insurance
Insurance against the risk of incurring medical expenses
among individuals. The prevention, treatment and
management of illness and the preservation of mental
and physical well-being through the services offered by
the medical and allied health professions.
An insurance contract in which the insurance company
makes fixed dollar payments to the annuitant for the term
of the contract, usually until the annuitant dies. The
insurance company guarantees both earnings and
principal. A fairly good financial instrument for those
looking to receive a fixed investment income.
Annuities can help you achieve a variety of financial
• Extra income needs — Fill the gap between early
retirement and the beginning of Social Security benefits
or provide more during the early, more active years of
• Retirement needs — Provide for essential expenses in
retirement not covered by Social Security, pension plans
or personal savings
• Non-retirement needs — Provide reliable, regular
income, such as payments to college students to cover
Long Term Care
Long-term care insurance is an insurance product that
helps provide for the cost of long-term care beyond a
predetermined period. Long-term care insurance covers
care generally not covered by health insurance,
Medicare, or Medicaid.
Individuals who require long-term care are generally not
sick in the traditional sense, but instead, are unable to
perform the basic activities of daily living such as
dressing, bathing, eating, toileting, continence, getting in
and out of a bed or chair and walking.
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created or endorsed by AIC or its representatives. Their information is deemed
to be from reliable sources; however, their content cannot be guaranteed.
*Securities and investment advisory services offered solely through
Ameritas Investment Corp. (AIC), Member FINRA, SIPC. AIC and
Ameritas Financial Services of Western PA are not affiliated. Additional
products and services may be available through Michael Mumau or
Ameritas Financial Services of Western PA that are not offered through
AIC. Securities products are limited to residents of Pennsylvania, Ohio,
Florida, and North Carolina.
This is not an offer of securities in any jurisdiction, nor is it specifically
directed to a resident of any jurisdiction. As with any security, request a
prospectus from your registered representative. Read it carefully before
you invest or send money. A Representative from Ameritas Financial
Services of Western PA will contact you to provide requested
Representatives of AIC do not provide tax or legal advice. Please consult
your tax advisor or attorney regarding your situation.
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