Insurance for Individuals

Are You Properly Protected?

Life is a series of risks. Help mitigate some of those pitfalls and make sure that you have protection by being properly insured. Insurance offers security, protection for loved ones, and peace of mind in the event of a tragedy. At Retirement & Wealth Strategies, we offer Life insurance, as well as Long Term Care and Disability insurance.

Take Care of Your Family – Insurance can replace your income, giving your spouse a safety net in the event of death or disability. It can also assist in covering your children’s expenses.

Take Care of You – In the case of disability or the need for long term care, insurance can supplement your income and make treatment options accessible for you and your family.

Pay Final Expenses – The cost of funerals and final expenses are rising. Life insurance can ensure these expenses do not become a burden to your family after you are gone.

Pay Off Debt – Not all debts disappear upon death. Life insurance can help assist in covering debts, such as mortgage payments, so that your family is protected and secure.

Our Process in Brief

At Retirement & Wealth Strategies, we have a comprehensive process to make sure that you are covered by the insurance plans you need. Our process is pretty simple, we:

1

Analyze your needs and/ or existing plan

2

Research benefit providers to find the best fit for you

3

Design a comprehensive benefits package to provide the protection you and your family need

4

Present the benefits package to you and make sure it addresses all of your concerns

5

Implement the selected insurance package

6

Continue monitoring your insurance benefits and your financial needs to address life changes

Do You Have the Coverage You Need?

Do you remember the first time you bought life insurance? Was it when you got married? Your first child? To protect your mortgage value?

If it has been more than 10 years, you probably have had significant life and income changes. As your needs change, your insurance coverage needs to change as well. At Retirement & Wealth Strategies, we take the time to review your coverage and make recommendations to ensure you and your family are taken care of.

Confirm you and your family have the proper protection.

Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and RWS Financial Group, LLC are not affiliated. This communication is strictly intended for individuals residing in the states of AL, AK, AR, AZ, CA, CO, CT, DE, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY. No offers may be made or accepted from any resident outside the specific states referenced.

Cambridge’s Form CRS (Customer Relationship Summary)