Critical Illness, Disability, & Life Insurance
Visualize Your Insurance Needs
Our advisors may recommend term or permanent insurance based on your needs.
Provides protection for a predetermined time frame, usually renewing every 10 or 20 years, or in some instances up to 30 years at age 65. The insurance generally expires at age 75. This type of insurance is ideal for someone looking for short-term protection while keeping their premiums low.
In the form of whole life or universal life policies, permanent insurance plans are designed to remain in force for your entire lifetime. This insurance is regarded as a personal or corporate asset as these policies include increasing death benefits and cash value accumulation, which creates equity within your policy. The premiums can be paid for life OR can be paid-up in 15 or 20 years.
Protect your assets and lifestyle if you get sick.
Critical illness insurance provides meaningful financial assistance due to a life threatening illness. This tax-free lump sum payment can be used in for anything, including:
- Supplement or replace your income if you or your spouse are forced to take time off work
- Reduce or completely prevent the accumulation of debt while you focus on your health and recovery
- Provide financial assistance for lifestyle changes or third-party support you may need
- Make smart decisions for treatment options that may have been financially unavailable without insurance
Supplement or replace your income if you are unable to work.
Disability insurance is designed to provide you with a monthly income stream if the event you are not able to perform your current job responsibilities. Coverage enhancement can include insuring potential future income and future cost of living adjustments. Our insurance advisors will help you determine which type and amount of coverage is appropriate for your needs.
Disability insurance plans can pay out based on a percentage of your current monthly pre-tax income.
A major difference between critical illness and disability insurance is the type of payout. Critical illness pays out in a lump sum, whereas disability provides regular monthly payments based on your policy.
Our Insurance Partners
I cannot say enough about Arif and Ben’s professional demeanor, how they put their clients best interest at the forefront and their unwavering patience for helping clients come up the financial investment learning curve. In an extremely short period, both Arif and Ben have become our trusted advisors and I look forward to working with them for many decades.
My only regret is not moving to Arif and Ben sooner. Amazing service and thoughtful guidance. They treat my investments as if they were their own and I'd recommend them to anyone who wants a "one stop shop" where everything from investments, insurance, legal matters, lending matters are taken care of using a holistic, well though out, common sense approach.
.. I am absolutely thrilled to have been connected with Ben and Arif.. Between the two of them, their knowledge of financial strategies and planning for the future is very impressive. Like-minded and so easy to speak with, I feel extremely confident in following their advice when it comes to managing money and planning ahead. I wish I had crossed paths with them many years ago but they have helped me a lot and I look forward to many, many more years working with them!
I had a great experience working with Arif. Would highly recommend for your life insurance needs!
Arif and staff have been superb handling my insurance needs.
Tools from the Experts
Financial Tools & Resources
We have created several case studies and tools to help you, as well as a regularly updated blog that explores personal finance, investing, tax planning, insurance, and more.