Insurance coverage designed to replace a portion of the client's income stream if you becomes disabled.

May be purchased by an individual (at individual rates), by an individual through their employer (at group rates) or by an employer (at individual or group rates).

Two basic variations are

• short-term disability and
• long-term disability.

Varies by product

Insurance coverage designed to pay a lump sum upon death during a specified period of time.

May be purchased by an individual directly (at individual rates), by an individual through their employer (at group rates) or by an employer (at either individual or group rates).

Can be guaranteed* renewable or convertible.

This website compares term life insurance from the following highly rated insurers:

• Hartford ,
• Manulife/John Hancock,
• First Penn Pacific and
• Lincoln National.

Permanent insurance coverage designed to pay a lump sum upon death.

May be purchased by an individual or an employer. May insure one client (paying on that client's death) or two clients (paying, typically, on the second death).

Insurance proceeds may be used to provide ongoing income for survivors or for payment of final expenses (including estate tax).

Cash value in whole life or universal life policies is invested in the insurance companies' general accounts.

Variable life or variable universal life policies allow you to invest the cash value in a wide range of portfolios (investment subaccounts) from a selection of asset managers.

This website compares permanent life insurance from seven highly rated insurers:

• Lincoln National,
• Hartford ,
• Manulife,
• Nationwide,
• ING,
• John Hancock
• SageMark Consulting and
• Pacific Life.

Insurance coverage designed to help pay for the expenses of your long-term care.

Coverage may reimburse for actual qualified expenses incurred or may pay a set amount per day when a client meets a qualifying test typically based on "activities of daily living."

May be purchased by an individual directly (at individual rates) or by an individual through their employer (usually at discounted individual rates).

This website compares long-term-care insurance from

• Genworth Financial (formerly GE Financial) &
• John Hancock.

Long-term-care protection is also offered as a rider in a life insuarance product from

• Lincoln National (MoneyGuard),
• Nationwide &
• John Hancock.