Insurance plays a crucial role in your financial plan and in mitigating risk. We’re equipped to help you build a protective cushion with life insurance, preserve your estate with long-term care insurance and provide strategies to create income stability in retirement with annuities, if needed. We partner with personal lines insurance specialists to help provide:
- Medicare
- Healthcare
- Property & casualty planning solutions
Insurance products offered through Raymond James Insurance Group, an affiliate of Raymond James Financial Services, Inc.
These policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company.
Long Term Care Insurance products may not be suitable for all investors. Surrender charges may apply for early withdrawals and, if made prior to age 59 ½, may be subject to a 10% federal tax penalty in addition to any gains being taxed as ordinary income. Please consult with a licensed financial professional when considering your insurance options. Guarantees are based on the claims paying ability of the insurance company.
