Life, Disability, and Long Term Care

Heller Kowitz Insurance Advisors is committed to providing comprehensive life, long-term, and disability insurance solutions to meet the unique needs of our clients. We offer a wide range of insurance programs, including term insurance programs with flexible options such as 10, 20, and 30-year terms. These term insurance programs provide temporary coverage and are an affordable option for individuals or families seeking protection for a specific period of time.

Our whole life insurance programs provide lifelong coverage and come with a guaranteed death benefit and a cash value component that grows over time. This type of insurance offers stability and can be an important part of your long-term financial plan.

We also offer universal life insurance, which provides flexibility and can adapt to your changing needs. With universal life insurance, you have the ability to adjust your premium payments and death benefit as your circumstances change.

In addition to life insurance, we provide long term care programs that help protect you and your loved ones in the event of a long-term illness or disability. We also offer life insurance with living benefits, such as long-term care coverage, which provides financial support for both medical and non-medical expenses associated with long-term care.

Heller Kowitz Insurance Advisors understands the importance of protecting your income. That's why we offer both long term disability insurance, which provides coverage in the event of a long-term disability that prevents you from working, and short term disability insurance, which provides coverage for temporary disabilities.

For businesses, we offer key person insurance programs, also known as "key man" insurance programs. These programs provide financial protection for businesses in the event of the death or disability of a key employee or owner.

We also provide premium financing options, which allow you to pay for your insurance premiums over time, making it more affordable and manageable.

At Heller Kowitz Insurance Advisors, we believe in helping our clients plan for a secure and comfortable retirement. Our retirement income planning designs help you create a personalized plan to ensure you have enough income to support your lifestyle during retirement.

Finally, we offer effective tax strategies using life insurance. Life insurance can be a powerful tool for minimizing taxes and maximizing your estate for your beneficiaries. Our team of experienced advisors can help you navigate the complexities of tax planning and ensure you make the most of your life insurance policy.