Life insurance is a key risk-management tool that can help you pursue your financial goals while protecting your loved ones. At Hartstone Business and Financial Services, our licensed financial professionals can assist with all Life and Disability Insurance needs. As independent licensed producers, we are able to find the best insurance product and policy match for your needs across a broad range of insurance carriers, prioritizing the client over any proprietary insurance product or carrier. We work with you to assess your insurance needs and present viable policy options with reputable insurance providers.

• Life insurance provides a payment that, in the event of a primary wage earner’s death, can help protect your family’s lifestyle in the absence of their earning power. Your family or named beneficiaries can use the proceeds to pay for day-to-day living expenses, eliminate debt, protect family wealth, or address other financial and lifestyle needs like paying down a mortgage or funding for a child’s college education.
• Life insurance is not just for the primary wage earner. Consider the value of a stay-at-home parent and the services they provide – premature death could result in a tremendous financial strain or adversely impact the working spouse’s ability to continue to earn the same living.
• Small businesses may wish to consider purchasing life insurance policies for key individuals, such as an owner or top employee, to help keep the business running and prevent financial distress if that person were to die.
• Funeral and estate expenses can easily run into the tens of thousands. Having adequate insurance to cover these expenses can help reduce a loved one’s stress at a highly emotional time.
• Permanent life insurance can help manage federal and state estate taxes, and serve as an efficient way to transfer wealth to heirs.

Finding the right insurance policy can be a difficult and complicated process. We aim to make sure that you truly understand any eligible insurance coverage you may qualify for. Our licensed financial professionals can assist during each phase of the underwriting process from application to review of the proposed coverage. Additionally, we help with routine management of the in-force policy and provide personalized assistance when the policy must be used or paid out.

Consider the importance of a coordinated insurance and financial strategy to a comprehensive life plan. A quality insurance policy can provide peace of mind, knowing that you and your loved ones will be taken care of if the unexpected occurs.