Insurance Strategies
Your insurance policies should ease your worries, not add to them
We believe that insurance should be simple. That’s why our goal has been to make the entire insurance process straight forward and easy to understand. Our advisors are here to solve your insurance needs and help you protect what matters to you most.
Insurance Solutions Built Around Your Needs
EFS Advisors® will work with you so you can best understand your options to select the policy that best meets your needs.
You can rely on our years of experience to help you understand your insurance options and evaluate coverage based on your goals, budget, and unique circumstances. We work with you to review available solutions and identify options that align with your needs.
The right insurance is an important component of your financial strategy
While its primary purpose is often protection, did you know that the right insurance coverage can offer additional benefits:
- Cash to your estate to pay debts, taxes, or other expenses
- Legacy/wealth transfer strategies
- Asset accumulation and distribution strategies
As you seek to build financial security for yourself and your family, you may want to consider your legacy options:
Term and Permanent Life Insurance
Can provide for basic insurance protection, debt consolidation, mortgage cancellation, college funding and family income needs.
Long-term Care Insurance
Can help defray health care costs not covered by Medicare. Educators Lifetime Solutions, LLC, a sister company to EFS Advisors, provides expertise on long-term care and life insurance solutions to suit your unique situation. Get a quote by emailing LifePlan@elsllc.org.
Free Service for all Senior Care Needs
In addition to providing a flexible policy that meets the needs of your unique situation, we also understand the complexities of accessing and using your policy, so we’ve partnered with Lifespark, a proactive company with a whole person approach. Lifespark helps you remain in control of your health and wellbeing while helping to ease the burden and stress of family caregiving. Click here to Learn more on how Lifespark is sparking lives!
Policy, benefits and riders may not be available in all states. Terms and conditions may vary by state.