Insurance and Risk Management
If you’re in the market for insurance, your first instinct may be to hop online and search for an insurance agent to assist you, or even purchase an insurance policy online. However, by working with a financial professional like we have at Winter & Associates, you’re not only working with someone who can help meet your insurance needs, but you’ll have a team that takes your full financial picture into account. It’s not just about having insurance, it’s about risk management. We can help answer questions like: What are my points of vulnerability for insurance? How much insurance do I need? What’s an appropriate mix of insurance and investments for my retirement goals? Whether you’re looking for life, disability, long-term care, health, or property and casualty insurance, we’re here to help assess your unique insurance needs and find the best coverage for you. As a financial professional who can shop the market of 70+ carriers, Winter & Associates works for you, not the insurance companies. Contact us today to book an appointment!
At Winter & Associates, your family legacy is our family business. We understand nothing matters more than your loved ones, and you want to protect them. Life insurance is one of the best ways to do that, because when you pass, any debts or shortage of income you leave behind could affect their future.
There is a wide array of individual life insurance products available that can provide benefits when you and your family need them, including term, fixed, indexed, variable, survivorship insurance. As your financial professional, we can help you determine what type of coverage is right for you. Call our office at 651-414-5000 to book an appointment.
When it comes to preparing for the unknown, many people look to life insurance and health insurance to cover costs associated with death, illness, or injury. However, those types of insurance won’t pay your bills if you get sick or injured. When your ability to earn an income is stalled or eliminated, disability insurance can offer financial protection.
Disability insurance pays a part of your income if you can’t work due to illness or injury. Anyone who relies on a paycheck should consider purchasing it, because you never know when a worst case scenario will happen to you. If you’d like to talk to an experienced financial professional about the types of disability insurance and which policy is right for you, contact us today. We’ll explain your options and help determine which benefit plan best meets your needs.
Long-term Care Insurance
No matter how healthy you are today, there is a chance you’ll need some help taking care of yourself later in life. If you develop a chronic medical condition, disability, or disorder, like Alzheimer’s disease, long-term care insurance can help you pay for assistance with daily activities like bathing, dressing, getting in and out of bed, and taking medication. This type of care, which you can receive at home, in a nursing home, at an assisted living facility, or in an adult day care center, is typically not covered by regular health insurance.
If you wait until you need long-term care, you likely won’t qualify for the insurance, and Medicare can only help in limited ways. That’s why it’s so important to talk to a financial professional about long-term care as early as your mid-50s. Contact Winter & Associates today to speak to an experienced financial professional about your situation and preferences. We’ll assess whether long-term care makes sense for your financial strategy and help you shop for coverage.
We don’t need to tell you that finding the ideal health insurance policy for your situation at the lowest cost possible can be complicated. If you’re confused, overwhelmed, or frustrated while shopping for coverage, we’re here to help. Our financial professionals can get quotes, compare plans, and help you understand your options. Drawing on decades of experience, we’ll be able to answer most of your health insurance questions, and if not, we have access to people who can. Give us a call at 651-414-5000 or fill out the contact form here to book an appointment today.
Property & Casualty Insurance
Homeowners insurance, renters insurance, and car insurance are examples of insurance policies that typically offer property and casualty coverage. This is coverage that protects the things you own, such as your home or vehicle. Property and casualty insurance can also help protect you in the event that you’re found legally responsible for damage to another person’s belongings.
Purchasing the right type and amount of property and casualty insurance can protect you from unforeseen risks, but the various policy options can be difficult to comprehend. If you need advice about property and casualty insurance, contact our experienced financial professionals. We’ll work closely with you to determine which policy best meets your needs.
Reliable Guidance, Real Value
At Winter & Associates, we believe you deserve sound financial advice at a reasonable cost. Our financial professionals go beyond the usual check-ins to give you a level of attention you may not get at a large firm or with a corporate financial professional. Let us help you make informed choices and avoid wrong turns—contact us today to book an appointment!