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Insurance

We offer quality, specialized insurance to help clients reduce the potential financial burdens associated with disability, illness, and death. We work with you to determine your needs and what options best fit your situation.

Long Term Care / Home Care:

Long-term care (LTC) is a range of services and support systems you may need to meet your personal care needs. No one wants to think about the possibility of needing care, but statistics show, about 70 percent of us will need assistance with things like getting dressed, driving to appointments, or making meals during our lifetime. Planning is critical, but many people are not sure what is covered by insurance, and people are often misinformed about what is covered by Medicare.

For more Long Term Care information, click here.

Schedule a meeting with us to discuss your options - we have a variety of ways to help fund your long-term care expenses. Traditional Long Term Care, Life Insurance-based LTC, Annuity-based LTC (also known as Asset Based) or using a rider with permanent life insurance.
 

Life Insurance:

Life insurance helps to secure your family’s financial future after you and/or your loved one passes away. Before purchasing a life insurance policy, you should consider your financial situation and the standard of living you want to maintain for your dependents. For example, who will be responsible for your funeral costs and final medical bills? Would your family have to relocate? Will there be adequate funds for future or ongoing expenses such as daycare, mortgage payments and college?

Make sure that you review your current life insurance.  As your life situation changes through the years, so do your insurance needs. A regular review of your life insurance coverage and beneficiaries every few years is important.

Other important areas are key person, business continuation and succession planning.

If you have questions about your current coverage, or about the type of policy to best fit your situation, feel free to contact us. 

 

 

Disability Insurance:

Your ability to earn a living is your most valuable long-term asset. However, according to the Social Security Administration, just over one in four of today’s 20 year-olds will become disabled before reaching retirement age. Disability insurance can help support your family’s needs if you can no longer work because of an injury or illness.

Let us help you protect a portion of your income and savings if you become sick or injured and are unable to work. If you own a business, let’s discuss business overhead expenses.

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Contact info

  •   Office:
    104 South 4th Street, Flagler Beach, FL 32136
  •   Mailing:
    P.O. Box 268, Flagler Beach, FL 32136
  •   386.693.4407
  •   JB@JBirneyFinancial.com

A Bosses For Babies Business

A Bosses For Babies Business

John T. Birney is a Registered Representative Offering Securities and Advisory Services through United Planners Financial Services, member FINRA/SIPC. JBirney Financial and United Planners are not affiliated.

John T. Birney is registered to conduct securities business in AL, CA, CT, DC, FL, GA, IL, MD, MI, MN, NC, NY, OH, OR, SC, TN, TX and WA.  This communication is strictly intended for individuals residing in the states listed. No offers may be made or accepted from outside the specific states referenced.

Insurance-related services may not be provided to individuals residing in any states other than FL, GA, MD, MI, NC, TN and WA.

A broker-dealer, investment advisor, BD agent, or IA representative may only transact business in a state if first registered appropriately. Follow-up or individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements.

This material was prepared by Advisor Website, and does not necessarily represent the views of United Planners Financial Services. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. Neither United Planners nor its financial professionals render legal or tax advice. Please seek such advice from your own tax and legal counsel.  If assistance is needed, the reader is advised to engage the services of a competent professional. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

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