Securities products [and advisory services] offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. OSJ:954 RIDGEBROOK RD SUITE 300 SPARKS, MD 21152, ph# 410-828-5400. PAS is an indirect, wholly-owned subsidiary of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Guardian nor any of its subsidiaries offer Long Term Care.
Important Disclosures 2019-78664 & expiration date 4/21
The death benefit of Life Insurance can help to assure the economic continuity of a family, protecting your assets so your loved ones can move forward with your financial goals is paramount. Not getting this aspect of your financial plan can have devastating consequences.
Individual Disability Income Protection
We determine if personally owned disability insurance is needed in addition to your current group coverage. Making sure that your income is protected is one of the most responsible decisions you will ever make. Individual disability
policies can cover not only base salary, but also bonuses and with a few insurers, pension contributions. Also if you pay premiums yourself, generally benefits are not subject to tax.
Long-Term Care Insurance
Needing long-term care places an enormous emotional and physical strain on loved ones and family members. That’s
why having a plan is so important. Incorporating long-term care insurance into your financial plan can help you protect your assets. It can reduce the burden of care that would otherwise fall on family members and enable you to receive care in the setting you most prefer, including your home.