Osborn Insurance

Many consumers are exploring hybrid life insurance or annuity products with long-term care benefits. These policies can provide a death benefit if long-term care is never needed while offering access to funds if care becomes necessary.

Like most life insurance, mortgage protection insurance eases the financial burden of your loved ones. It is an affordable way of ensuring that your home is paid for no matter the circumstances. Cancer, stroke, heart attack, injury, death—your family will never be in jeopardy of losing its home as long as you put a custom mortgage protection insurance plan in place.

Many people have life insurance through work, but employer-provided coverage is often limited and may not follow you if you change jobs or retire.

"It always seems impossible until it's done."

Major Life Events Should Trigger a Policy Review: Marriage, buying a home, having children, or starting a business are all good reasons to review your life insurance needs.

Life insurance proceeds are generally income tax-free to beneficiaries. This can provide financial support without creating a federal income tax burden.

Not All Annuities Are the Same: There are several types of annuities, including fixed, indexed, and variable options. Understanding the differences is important when deciding which solution may fit your financial goals.

“In summer, the song sings itself.”

Most people overestimate the cost of life insurance. Industry studies have consistently found that consumers believe term life insurance costs 2–3 times more than it actually does, causing many to delay purchasing coverage. Contact us for a no cost consultation.