Proud Member of:
2010 NJBIZ
Mover & Shaker
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 EXPLORING THE POSSIBILITIES
Every age and every venture brings on new opportunities, choices, and risks. Insurance protection minimizes your risk.
Implementing it involves choice. As an Independent Insurance Agent, Eileen Shrem shops insurance providers to make sure you
receive the best coverage and best priced policies to meet your specific needs.
The first step is PLANNING — asking questions
- Setting personal, family and business goals: Where are you today? What do you want for tomorrow? What do you need to get there?
- We meet to discuss and establish your wants and needs -- for retirement, in the event of disability, and upon your death
- Evaluating your current insurance: Is your plan current?
- We look at your life insurance, health & disability, long term care, property & liability
- Analyzing where change is needed: Where do you start?
- We see where the gaps are and assess available resources that will improve the plan
- Creating the program that works for you: Are your dreams affordable?
- We plan how to achieve your goals using the most cost effective means
- Implementing the plan: Does the plan stay current with you and your life?
- Then I provide on-going service which includes reviewing the plan periodically and keeping it up-to-date with your changing needs
The next step is Protection
Unfortunately by the time many people need insurance protection, it is often too late to purchase it. I want to make sure “regrets” and “if only” are removed from the equation. As your personal professional insurance planner, you and your situation are never far from my mind. I keep you appropriately updated with the information and options you need to make the right choices for all the right reasons.
Personal and Business
- Protect those who depend on your income when you are no longer there
- Preserve the estate which took a lifetime to build
- Establish and fund special needs and other trusts
- Plan for business continuity
- Create key executive plans
- Establish buy and sell funding
- Create deferred compensation plans
- Obtain group and/or personal life insurance policies
- In time of need, cash settlement of the Life Insurance Policy for the terminally ill
Do you KNOW How Much Life & Disability Insurance You Need? Calculate the answers.
Disability
- Protect yourself and those who depend on your income when you cannot work
- Individual
- Key person
- Buy-sell
- Group LTD
- Business overhead
- Qualified sick pay plans
- Voluntary income protection plans
- Worker’s Compensation
Health
- Protect yourself, your family, your assets in the event of illness or accident
- Individual
- Group
- Long term care
- Disability
The last step is Choice — Consult before you Choose!
Consider your future! Preserve your independence! Protect your assets!
You made my life significantly easier in completing a task I was dreading.
JOAN
A story that needs to be told:
When I bought the long term care policy, I assumed that it was for when I was “old.” I NEVER thought I would be using it NOW(in my early 50s)!! Having the policy was a gift waiting to be opened…. (After life saving surgery) I was able to hire someone to come into the house to take care of me (and the house)… for as long as I needed it…when I was able to get around but still couldn’t drive I was able to use the benefits to have someone take me back and forth to Cardiac Rehab… you told me taking out a policy for long term care would insure my future – I just never thought that it would be so soon! Thanks!
Raylie Dunkel
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