S.S. Nesbitt negotiates with insurers to secure the most favorable rates and terms for your plans, but it doesn’t stop there. We provide ongoing assistance with enrollment meetings, including a variety of materials to assist in communicating the benefits to your employees and providing ongoing customer service to resolve any claim issue.

Through a comprehensive research of the market, based on your specific needs and situation, we can design a group insurance program that’s right for you.

Insurance helps to ensure that your family and loved ones are protected against financial difficulties in the event of sickness, disability, or even death. Combined with investments, retirement, and estate planning, additional insurance is a fundamental part of a sound financial plan. With the help of an S.S. Nesbitt Insurance professional, you can develop a complete plan that will protect you and your family.

S.S. Nesbitt & Co., Inc. offers a customized approach to risk management to help prepare your business for whatever happens. Through our extensive knowledge and commitment to personal service, we will help you find the right program for your employees.

We offer a consultative approach in providing benefits:

• You talk and we listen to address your needs.
  
• The best insurance providers are available to us for determining your program.
  
• Ongoing assistance in enrollment, materials, and customer service is there for you.

Basic and Supplemental Life

Life insurance policies are designed with different needs in mind. While there are many decisions you will have to make when assessing your life insurance needs, one of the most basic is whether you need permanent or term insurance.

Tailoring life insurance to fit your needs is like finding a place to live. Once you find the right home, you will need to choose how to pay for it. Buying permanent life insurance is like owning a home, while buying term insurance is like renting one. There are advantages to both.

Permanent Life Insurance
Like owning property, owning permanent life insurance is usually an appropriate way for people to meet long-term needs.

Term Life Insurance
Term insurance is generally the least expensive and least complicated type of life insurance. It provides lower cost for a specifi ed period of time.

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Long and Short Term Disability

Becoming disabled through an injury or sickness can mean a signifi cant loss of income. Disability insurance is a form of health insurance that provides a person, who becomes disabled, with income to cover living expenses that continue in spite of the disability. S. S. Nesbitt & Co., Inc. can assist you in determining how much insurance you need to protect your lifestyle in the event that you become disabled.

When you are healthy and working, most people find it hard to imagine being disabled by an illness or injury, but the facts are:

• One in three working Americans will become disabled for at least 90 days, or more before age 65.
  
• The average disability absence is 2 ½ years.
  
• More than 80% of working Americans do not have disability insurance or are not covered adequately.

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Long Term Care

Long-Term Care Insurance is designed to preserve a person’s independence, freedom of choice and standards of living. It also provides protection for assets, and helps you or your loved one avoid the need to go on a government assistance program. The high cost of long-term care services may be surprising.

Long-term Care Insurance is an integral part of a well-rounded financial plan. Call an S.S. Nesbitt professional to find a policy that meets your needs and budget. We are always here to help you make an informed choice.

“Failure to prepare for the cost of long-term care is the primary cause of impoverishment among the elderly.”

--American Health Care Association

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