Protecting Your Family Protecting Those You Love Many people take out insurance policies for their homes and cars, but forget about their most important asset – the ability to work and earn a living. Disability Insurance If you become ill or are injured and cannot work, disability insurance can help replace a portion of your income to help cover financial needs. When you can’t work, disability insurance works for you! Life Insurance Life insurance is a way to provide for your loved ones when you’re not around. The money they receive can be used to help pay for expenses, loss of income, debts, educational needs, mortgage payments, and more. At Spence Cassidy & Associates, we answer questions like: How much insurance do I need? What types of insurance are best for my situation? Our Financial Services Professionals are both knowledgeable and passionate about finding a solution that’s best for you. There are two types of Life Insurance: Term Life Insurance – an easy, affordable coverage set for typically 10 to 30 years. Permanent Life Insurance – lifetime coverage with potential to build equity (cash value); options for more flexibility. Long Term Care InsurancePeople are living long and if they live long enough can become frail and need care. We help our clients put a plan in place to alleviate the consequences of not having one. A proper plan can keep the spouse and family from having to put their lives on hold to provide care and can instead supervise care. Contact us to make sure you have the protection you need.