Life is unpredictable, and you never know what tomorrow holds. No one wants to think about it, but disasters can strike, and hardships can occur that threaten your health, life, and the financial security you have built for yourself.
For the best protection against possible health threats, unforeseen disability, or even death, rely on risk management and insurance solutions from Griggers Wealth Management. We offer long-term care coverage, life insurance policies, and a variety of disability insurance policies to protect you or your business. Our offerings are adaptable to fit your specific needs and accompany your current stage in life.
It’s our goal to equip you with the tools and solutions you need now to preserve and manage your your financial future. Our offerings fill in the gaps where you need it most and mitigate your risks so that you can avoid or handle major problems if and when they arise.
Plus, when you work with an advisor, we can help you design a policy that complements your overall portfolio and satisfies your needs and goals.
Discover More About Our Risk Management Solutions. Schedule a Consultation with Griggers Wealth Management Today:
Long-Term Care Coverage When You Need It
According to national data, roughly 70% of adults over the age of 65 will need long-term care (LTC) at some point in their golden years. If you have ever cared for a senior parent, grandparent, family friend, or other loved one, you know how important LTC coverage is to safeguard their finances and optimize their care.
But what about your coverage? Those in their 50s or 60s are now at a prime age to begin considering the benefits of an LTC policy to protect their finances years later when long-term care is more likely to come into the conversation.
Not only are health care costs increasing, but out-of-pocket in-home care costs can exceed $5,000 per month, while nursing home costs can exceed $8,000 per month. And these expenses are only rising.
At Griggers Wealth Management, our financial professionals can talk with you about a solution to cover long-term care that fits your means and your potential needs based on your current health status and predicted trajectory.
Griggers Wealth Management can also design a solution that not only protects you in the event of needing long-term care but can also provide the benefit if you never have a long-term care need.
Life Insurance Coverage for Any Stage of Life
You’ve carved out a life for yourself and have built your wealth through years of hard work, sacrifice, and dedication. Ensure your finances are protected through life insurance coverage that fits your circumstances and your goals.
Griggers Wealth offers flexible solutions through term life insurance, as well as whole life and universal life insurance, allowing you to create the most effective, most protective, and most you-fitting policy available.
Term Life Insurance Coverage
When you want protection on your terms, you want term life insurance from Griggers Wealth Management.
Term life insurance is an affordable, flexible policy option that covers needed expenses and then some should the worst happen to you. By talking out the specifics with your Griggers advisor, together you can decide how much coverage you’ll likely need and for how long.
Term life insurance is not a life-long insurance policy. The most common policy covers policyholders for 20 years before it expires. When you speak with your advisor, you’ll discover the reasons you may or may not benefit from a term policy, depending on your age, health, circumstances, and needs.
Permanent Life Insurance Coverage
Unlike term life insurance, permanent life insurance policies do not expire, making them a valuable and protective option for as long as you have the policy. We offer whole and universal coverage, both with benefits that fit your needs so you can face the future with confidence.
Whole Life Insurance
Whole life insurance is a type of permanent life insurance that builds cash value throughout the life of your policy. With guaranteed growth, no matter the state of the current market, you can utilize funds as you need and earn dividends while remaining protected.
Guarantees are based on the claims paying ability of the issuing company. Dividend payments are not guaranteed and may be reduced or eliminated at any time by the company.
Universal Life Insurance
Another form of permanent life insurance is universal life insurance, which offers affordable, valuable flexibility throughout the life of the policy. Protect what you have, access cash value, and make adjustments to your policy whenever your circumstances call for it.
Disability and Business Overhead Expense Insurance to Keep Things Going
The unexpected could happen to business owners and self-employed individuals at any moment. A catastrophic event could occur, but you live to see another day, or you suffer a significant injury so severe that your mental or physical health is compromised permanently or for a long time.
Whatever life might throw your way, make sure your business and your income are protected so that you can be protected.
Disability and business overhead expense insurance from Griggers Wealth Management are sound solutions for business owners and self-employed individuals who need protection from life’s unpredictable what-ifs.
Long-Term Disability Insurance is a great way to add peace of mind and financial security for yourself and your family. These policies can be designed to ensure that, in the event you are unable to continue to earn income, your financial obligations and goals are not in peril.
Business overhead expense insurance covers a number of business expenses incurred following disability, which can include:
- Rent or mortgage payments
- Employee salaries
- Utility payments
- Insurance premiums
- Loan payments
At Griggers Wealth Management, we can offer the right policies that fill in the gaps and help sustain your business in the event of permanent or long-term disability.
Why Choose GWM for Your Risk Management Solutions?
Life is risky, and no one knows what tomorrow holds. If you have worked hard to build your wealth, set yourself and your loved ones up for success, run a business, or create anything else that could be destroyed in an unpredicted instant, you need protection you can trust. When you partner with the wealth advisors at GWM for your risk management, you can be sure we consider the entire picture and will provide you with strategies that match your needs exactly.
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