As life changes, so do your insurance needs. As an independent agent, I am NOT captive to any one particular investment or insurance company. As a result, I can offer you several quotes from different companies. This helps me to provide you with affordable insurance that is a good “fit” for YOU. Here are just some things that can cause an insurance (protection) need: Birth of a new child Significant Wealth Accumulation Estate Planning (to avoid out-of-pocket estate taxes for your heirs) A Business you want to protect Purchase of a new home Income you would like to insure in case of Disability At Robert L. Tackabury, CPA, we offer the following insurance: Life Insurance - We carry everything from term insurance to “permanent” life insurance coverage. Your life insurance need depends on many factors and we fit the type of insurance coverage with that need. Long-Term Care Insurance – This is for people who have significant assets that need protection in the event of a terminal or long-term health care need. Long-Term Care Insurance is designed to cover costs for Nursing Homes, Assisted Living Facilities, AND Home Health Care. Unlike most agents, I am certified to sell the NY State Partnership Program Long-Term Care policies! In many cases partnership policies make insuring yourself against long-term care affordable and offer asset protection to protect your estate! Long-Term Disability Insurance – Long-Term Disability is basically insurance that protects your income stream in the event of a disability that keeps you out of work for an extended period of time. For most people, your ability to earn income is your greatest asset. Long-Term Disability helps to protect this very important asset.