Insurance

Proper insurance coverage can be a sound foundation for many financial plans. The only constant in life in change, and as such we all must be prepare our families and businesses for unexpected eventualities. From advanced estate planning to business continuity plans to basic family protection, the Financial Advisors at SG Long & Company have the expertise and insurance products to address a full suite of insurance needs.
Life insurance provides needed protection against unexpected and catastrophic loss, but can also be used as a hedge against deterioration of retirement income due to inflation and taxes. A properly structured life insurance plan not only offers tax deferral, but also affords access to tax-free income to the contract holder.
In addition to the full spectrum of life insurance products, SG Long & Company offers a wide variety of variable and fixed annuities. Fixed annuities offer a safe haven from volatile market conditions as well as providing a lifetime income stream to the annuitant. Variable annuities offer tax-free exchanges from one investment vehicle to another and also offer the lifetime income options.
There are a wide variety of insurance and annuity options available to individuals. Some may be appropriate for high net worth individuals, while others might be more suited to young families or even perhaps a business entity wishing to hedge their risk exposure towards losing a key employee. Whatever the situation necessitates, the experienced Financial Advisors at SG Long & Company will educate you regarding your options and ultimately present the best options available to you.