Financial
Services
 Our
agency offers a complete line of insurance and financial products
and services. These products and services are designed to provide
solutions to your personal and business financial needs, including:
Individual Life
Life insurance from Rick Stein Insurance Agency can help you secure
your family's financial future by providing the funds they need to:
cover burial expenses, uninsured medical bills, pay off your mortgage
and other outstanding debts, and maintain a comfortable standard
of living.
Rick Stein Insurance Agency offers a variety of life insurance products,
including permanent, term, variable, flexible and whole life policies.
Individual Long-Term Care (LTC)
Long-Term Care is the type of care received either at home or in
a facility, when someone needs assistance with activities of daily
living, such as bathing and dressing due to an accident, an illness
or advancing age.
Rising life expectancy means that the potential need for "long-term
care" grows with every passing year of your life. The likelihood
is that you or a member of your family will need long-term assistance
due to a prolonged illness, a disability, or general deterioration
of your health and ability to perform routine daily activities. Most
long term care expenses are not covered by Social Security or Medicare,
Medicare Supplement ("Medigap"), or private health insurance.
Medicaid pays for nearly half of all nursing home care, but you must
meet federal poverty guidelines and may have to "spend down" most
of your assets on health care.
Buy / Sell Protection
If you have a partner in business, you have a need for insurance
so that in the event of death or disability, you can buy out your
partners interest without having to take out a loan or liquidate
company assets. This is also important where children and taxes are
involved.
Key Person Coverage
Your key employees are your most valuable business asset. Their
skill, knowledge and experience are your real profit makers. Without
them, the success and growth of your business could be in jeopardy.
Key employee insurance is designed to protect your business from
the adversities associated with the loss of a key employee, manager
or executive. The death or disability of a key employee could result
in a substantial financial loss due to hiring and training a replacement,
lost sales, and/or slowed production.
Long-Term Disability
Disability insurance replaces your income should you become disabled
and unable to work. Many people have some form of disability insurance
through their employer. The employers' policy may not be just what
your need. In this case, you will probably want to supplement the
employer's policy with an individual policy of your own.
Short-Term Disability (STD)
A steady income is essential for most people. If an accident or
illness interrupts that income, it affects both the employee and
employer. Short Term Disability (STD) protection is designed to replace
a portion of the wages lost when a short term disability occurs.
An affordable, flexible STD plan can provide needed benefits to both
the employer and employee.
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