Coverages: Individual Benefits

a. Life Insurance — coverage that provides a valuable death benefit to your beneficiaries upon your death.

b. Medical/Dental Insurance

c. Long Term Disability — coverage that helps you pay living expenses while you are unable to work.

d. Long Term Care — an insurance product which pays for long term care services in many settings, such as at home, a nursing home, assisted living facility, and adult day care facility.

e. IRA — A tax-deferred retirement account for an individual that permits individuals to set aside money each year, with earnings tax-deferred until withdrawals begin at age 59 1/2 or later (or earlier, with a 10% penalty).