BANK ON YOURSELF
Tax-Free Income Upon Your Retirement
Yes, with the (currently) conventional planning, that 401(k) or IRA will result in fully taxable income in your retirement. That old saw "your taxes will be lower..." might not hold. After all, will bridges, tunnels, school spending be required in 20, 30, or 40 years? Do any (government) services come free? Also, what are your future income expectations? We can help. Call us today to get started on your income plan.
College Funding, Investment Stability, Guaranteed Growth, and Flexibility
These functions or attributes are built-in to the Bank On Yourself approach.
Flexibility of access and use of funds, while you're alive. Just think: no loan applications for that big purchase...Bank On Yourself!
These policies create a stabilizing and growth-enhancing part of the financial plan (also known as decreasing volatility's negative results)
LIFE INSURANCE
Allow Us to Help You Stay Protected for a Lifetime!
If you're looking to buy a beneficial life insurance plan that can help you protect yourself and your family, turn to the professionals at Himel Financial. We can help you get a Whole Life insurance plan, a hybrid insurance plan, Term, and a Long-Term Care plan as well. Contact us today for further details on this.
A Life Insurance Plan Will Help You
Protect your family
Protect your heirs
Leave a legacy
Provide additional flexibility for you during your life
LONG-TERM CARE
Choose a Plan for You and Your Family
A Long-Term Care insurance (LTCi) plan helps in making sure you don't outlive your money, and that you don't exhaust your money for the care you may need in your future. There is a direct relationship to LTCi and retirement planning that we can help you address. Give us a call today for further details.
Some Important Features of Our Long-Term Care Insurance
Traditional policies as well as hybrids
Applicable to people, ages 18 to 80
Protects your retirement and your family
DISABILITY INCOME INSURANCE
Let Us Help You Protect Your Income and Your Most Valuable Assets
Many of us will have some sort of disability that'll prevent us from working, before the age of 65. It might prove to be short-term or long-term. Call us today for further details on this.
Benefits of Disability Income Insurance
Your most valuable asset is your ability to work and provide an income. If you lose that ability, this will address your continued need for income.