Individuals: What do I need?

Our commitment is to understand each person’s current and future needs and setup a benefit plan for their unique situation.  Our goal is to provide honest feedback and advice.  Our portfolio of products can address many needs.  Think about your answers to these questions before contacting a Collateral Benefits Group professional.

Question 1:  Do I need health-related insurance?

• Can I provide for my family if someone faces injury or illness?
• Will a catastophic injury or illness significantly impact my finances?
• I have health insurance, but can I face the out-of-pocket expenses of an extend illness?
• Can I provide for an extended stay in a nursing home or assisted-living facility?

Question 2:  Do I need disability insurance?

• What happens if I become injured and cannot work?
• How can I pay my mortgage and living expenses if my income goes away?
• Does my disability insurance provide for long term protection?
• Would a disabling condition disrupt my family's lifestyle?

Question 3:  Do I need life insurance?

• What happens to my family if a tradegy occurs?
• Can my spouse or children maintain their lifestyle?
• Who will cover the house payment, college expense, utility bills, final expenses?

 Question 4:  What do I have currently?

• What do I have through my employer?
• What do I have on my own?
• Do I have copies of my insurance policies?
• How much do I pay each month? year?