HR & S Financial Services , LLC

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For business owners and individuals, our professional staff will help you evaluate your needs and direct you to the many available insurance products designed to protect the things you value most in your business and home-life. The death or disability of a business owner(s) or key employees can pose serious risks to a business's financial health. There are several life and disability products designed to offer some protection should death or disability occur, such as business overhead expense policies to cover the on-going expenses of operating a business for a certain period of time; key person insurance that will pay the business entity to recover lost revenue generated by a key employee and help fund the search, training and compensation of a replacement; buy-sell funding policies triggered by death or disability designed to preserve the value of the business itself by shifting the ownership interest to one or more other individuals who can continue conducting the affairs of the business; and corporate owned life insurance ("COLI") designed to finance non-qualified benefit plans and other liabilities. Insurance can also play an important role in your personal life. Life insurance can protect your family's security by providing immediate cash to cover your final medical and burial expenses, to pay-off mortgage, car and/or credit card debt, to provide funding for your children's future educational needs, and to provide income for your family's living expenses. Short-term and long-term disability insurance can provide additional replacement income to meet your lifestyle needs that may not be fully covered by social security or employer-provided coverage. Long-term care insurance can protect your financial assets by providing monetary benefits to help cover the cost of home health care, adult day care, custodial care, intermediate care, skilled-nursing, and even assisted living care. Our team is poised to provide the direction you need to protect your business and family's financial resources against the uncertainties of life to build a safer future. List of Insurance Carriers Contact us for more information about this page.

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