Disability insurance provides a monthly tax-free benefit if an insured individual is unable to work due to Accident or Sickness and as a result, suffers a loss of income.
Life insurance pays a tax-free benefit to a designated beneficiary upon the death of the life-insured. Along with providing protection for loved ones in the event of death, life insurance is also a valuable estate-planning tool and can be used as a tax-sheltering vehicle as well as collateral against bank financing.
Critical illness insurance pays the insured a one-time benefit 30-90 days after diagnosis of a covered illness specified in the policy. Basic covered conditions include: cancer, heart attack and stroke. More comprehensive policies include coverage for blindness, deafness, coma, loss of limbs and a host of others.
Long Term Care Insurance
LTC insurance provides a daily benefit to cover the costs of home or facility care if the insured cannot perform 2 of the Activities of Daily Living (Eating, Dressing, Bathing, Changing Position, Toileting) or requires assistance and supervision due to deteriorated mental abilities.
RNG Financial is partnered with a number of Certified Financial Planners who provide services free of charge and who are able to meet with you to develop a financial plan to suit your lifestyle and goals.
If you require travel, home or auto insurance, we are able to refer you to specialists in these fields. Please contact us for more information.
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