Life, Disability, and Long Term Care Insurance

Life Insurance Santa Monica, CA. Disability Insurance, and Long Term Care (LTC) Insurance.

Work with Andrew Eddy,  who holds the Chartered Life Underwriter® designation, which is the premier credential in the life insurance industry. 

Did you know that many financial advisors do not have any insurance training? Why work with someone who hasn’t spent more than 400 hours learning insurance, when you can work with Andrew?

Life Insurance Santa Monica, CA

FAMILY RISK MITIGATION 

As comprehensive financial advisors, we evaluate a client’s entire financial situation. In the chart below, listed are the core risk issues that can be addressed with the proper insurance strategy. Insurance can be very confusing, but at a fundamental level there are two types – temporary or term insurance, and permanent insurance (universal life and many others). Let Andrew help you navigate the path to solving your particular situation. 

Disability Income Insurance

Issue: Inadequate earned income protection

Solution: Obtain appropriate disability income benefit

Long term Care Insurance

Issue: Inadequate protection for long term care costs.

Solution: Obtain appropriate protection with permanent insurance rider or lumps um policy.

Family Income Protection

Issue: Inadequate family income protection

Solution: Base of permanent insurance plus supplemental term insurance.

Life Insurance (LIRP) 

Issue: Limitations on retirement savings

Solution: Supplement retirement income with tax deferred savings (after all other tax deferred options are exhausted).

A Chartered Life Underwriter® has earned the premier credential in the insurance profession, representing eight or more comprehensive college-level courses covering all aspects of insurance planning, estate and retirement issues, taxation, business insurance and risk management. For more than 80 years, consumers have trusted this mark, which is conferred by The American College, a non-profit educator with the highest level of accreditation. The average study time for the program is over 400 hours and can take years to earn. Each CLU® must also complete a minimum of 30 hours of continuing education every two years and meet extensive experience requirements, ensuring the knowledge you’re counting on is both comprehensive and current.

Important Disclosure

Eddy Financial, LLC is not a licensed insurance entity. Insurance services are offered through Andrew Eddy, an individually licensed life insurance agent in the state of California. Andrew Eddy’s California Insurance License is № 0K02163. 

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