Services
Life Insurance
Life insurance is about protection. It is a security blanket for you or your beneficiaries in the event of your untimely death. Life is filled with twists and turns and the What Ifs in life. The impact of an unexpected death can have devastating effects on your family and their financial future. It’s important to keep your options open in the event something unexpected happens.
Mortgage Protection
No matter where you choose to live, our home is our biggest investment and our family’s refuge.
If you suddenly become seriously injured, critically ill, or pass away prematurely with a balance on your mortgage, would you or your family be able to pay off the mortgage without difficulty?
Final Expense
The future is unpredictable, and death is an eventual reality. Even if it’s difficult to talk about end-of-life issues, it is critical to plan for them.
At Kaliszak Insurance Consultancy, we know that losing a loved one is an extremely difficult experience. In the days following a loss, there would still be matters to attend to. Taking the time to consider end-of-life matters may be uncomfortable now, but it will make all the difference when that time comes.
Long Term Care Planning & Disability Insurance
If you’re like most people, you probably know someone who has needed long-term care services. Maybe you’ve been a caregiver yourself. Either way, you may be wondering how you’ll handle your own long-term care needs. Will your family take care of you? Will you be able to stay in your home? How will the need for care impact your retirement nest egg?
At Kaliszak Insurance Consultancy we will customize a long-term care plan that meets your needs. Whether you need care at home or outside the home we can help. Depending on your need we will be able to utilize a long-term care insurance policy from one of the highest-rated carriers or look at some alternatives such as life insurance policies or annuities with long-term care riders. We will be able to provide some relief should the moment arise. Don’t wait until it happens. Plan now.
Annuities & Retirement
Ensure comfort in your golden years. Retirement is one of life’s biggest and most exciting changes. But even after you stop working, bills will still come in. So, when you stop depending on an employer’s paycheck, it’s important to make sure your money will last.
There are many challenges in retirement:
- Outliving your money
- Avoiding Market Downturns
- Inflation
- Healthcare
- Achieving Market Returns
- Probate