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PROTECT YOURSELF AND THE PEOPLE YOU CARE ABOUT

Do I have everything covered?

For many, “financial protection” means life insurance. For others, it’s protecting retirement assets from market volatility, taxes and inflation. But what about unexpected health-related expenses? Or funeral planning?

Here are four protection hurdles you may experience and strategies to overcome them.

Hurdle #1

An unexpected death

When the person who is the primary source of income for a family dies unexpectedly, it can leave a tremendous emotional as well as financial burden.

Implementing a bond ladder strategy may be a viable solution we can help you set up. This involves purchasing a series of bonds with staggered maturity dates. As each bond matures, the principal and interest can be used for immediate financial needs or reinvested in new bonds to maintain the ladder structure. This strategy offers a predictable income stream and can be structured to match your family's short-term and long-term financial obligations.

Call us and schedule an appointment to see how you may help protect those you care about against the unexpected.

Hurdle #2

Knowing what you need

What type of life insurance should I get? How much coverage do I need? Am I insurable? Do I need an exam? How long does it take to get a policy? Can I increase my coverage if I already own a policy? Where do I start? These questions (and more) can be intimidating but purchasing life insurance can be one of the most important decisions you make — and it doesn’t have to be complicated. Talk to us and determine what's right for you to meet your needs.

Hurdle #3

Long-term care (LTC) can be expensive

If you need help, a home health aide alone may cost you $50,336 a year.1 And since Medicare and health insurance may not fully cover your LTC needs, you may need to tap your personal savings. You might better leverage your money with a fund we offer. Contact us to help you decide.

Hurdle #4

Funeral expenses and planning

Planning your own memorial service may not be something you want to think about. However, planning and pre-funding the celebration of your life can help your family at an emotional time, while sparing them from having to cover the costs. Meet with your local funeral director or visit your local funeral home’s website to see how you can start preplanning now.

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O’Neil Financial specializes in asset protection, financial planning, and retirement planning services. We have been serving hundreds of clients throughout the Metro Detroit area and throughout the United States for over 65 years combined.

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O'Neil Financial is a financial services company that specializes in asset protection and retirement income products and services. Mark O'Neil is the principal owner of O'Neil Insurance Agency, LLC d/b/a O'Neil Financial. O’Neil Financial only offers insurance products and services in states where licensed to do so. Annuities contain features, exclusions, limitations and availability that may vary by state and/or insurance provider. For a full explanation of an annuity, please contact your financial professional or the insurance company for all costs and complete details, as well as a brochure or prospectus (where applicable). This material is a general description intended for general public use. Any guarantees mentioned are backed by the financial strength and claims-paying ability of the issuing insurance company and may be subject to restrictions, limitations, or early withdrawal fees, which vary by state and the issuer.

Investment advisory services are offered through First Advisors National, LLC (“FAN Advisors”). FAN Advisors is an investment advisor firm registered pursuant to the regulations of the U.S. Securities and Exchange Commission (SEC). Mark O’Neil, William J. O’Neil, of FAN Advisors and are registered to only offer specific advisory services through FAN Advisors. FAN Advisors does not offer insurance services. The FAN Advisors written disclosure document is available upon request; please review it for details regarding advisory services. FAN Advisors and O’Neil Insurance Agency d/b/a O’Neil Financial are independently owned and operated.

©2001-2024 All rights reserved. O'Neil Financial
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