With personal life insurance, you can:

• Provide your beneficiaries with income for estate taxes
• Replace your income and minimize the debt load for your survivors
• Bestow beneficiaries with income tax-free
• Help protect the value of your estate
• Fund college tuition tax-free
• Retire with tax-free withdrawals
• Pay for long term care expenses
  
  Is your existing life Insurance policy adequate? Are you paying too much for too little?  These are just a couple of the questions we review with our clients to ensure they have an adequate policy in place. 

Disability Insurance

When you are unable to work because of an accident or illness, disability insurance pays you an income.  A disability could be devastating to your financial, professional, and lifestyle goals.  Being prepared can make a big difference.

 By age 65, 43% of all people will have a long term (lasting 90 days or more) disability event.  For most workers, even those with some employer paid coverage, and individual disability income policy is the best way to ensure adequate income.

 For more information or assistance, contact the HORAN Life and Disability Insurance team at 513.745.0707 or life@horanassoc.com.