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Comprehensive protection solutions: Life, disability, long-term care insurance and more

We offer a range of insurance products—life, disability, and long-term care—to protect your financial security and provide peace of mind.

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Secure your future with tailored insurance solutions

At Willis, a WTW business, we understand the importance of financial security and peace of mind. That’s why we offer a suite of insurance products designed to protect what matters most. Whether it’s safeguarding your family, your income, or your long-term care needs, we’re here to guide you every step of the way.

Life insurance: Protecting what matters most

What’s life insurance?

Life insurance is a financial product that provides a tax-free death benefit to beneficiaries upon the policyholder’s passing. This benefit can help cover living expenses, debt payments and education costs, ensuring that dependents can maintain their standard of living. Generally, the death benefit is tax-free, but there can be situations where it may not be tax-free.

Coverages available

  • Term life insurance: Provides coverage for a specific period, typically 10, 20, or 30 years.
  • Return of premium term: Offers a refund of premiums paid if the policyholder outlives the term.
  • Guaranteed whole-life: Provides lifelong coverage with guaranteed premiums and death benefits.
  • Guaranteed universal life: Offers flexible premiums and death benefits with guaranteed coverage.
  • Traditional universal life: Combines permanent coverage with a cash-value component.
  • Indexed universal life: Links the cash value growth to market indices while providing a guaranteed minimum return.
  • Survivorship universal life: Covers two individuals, typically a married couple, and pays out upon the second death.
  • Accelerated underwriting programs: Streamlines the application process with faster approval times.
  • Key person insurance: Protects businesses by insuring key employees whose loss could significantly impact the company.

Frequently asked questions

Life insurance is a financial product that provides a tax-free death benefit to beneficiaries upon the policyholder's passing, helping to cover living expenses, debt payments and education costs.

Anyone with dependents, significant debt, or financial obligations should consider life insurance to ensure their loved ones are financially secure.

Life insurance provides financial protection for your loved ones, helping them maintain their standard of living and cover expenses after your passing.

The primary purpose of life insurance is to provide a financial safety net for your beneficiaries, ensuring they can cover living expenses, debts and other financial obligations.

The amount of life insurance you need depends on your financial obligations, income and the needs of your dependents. A financial advisor can help you determine the right coverage amount.

Term life insurance provides coverage for a specific period, typically 10, 20, or 30 years. If the policyholder dies during the term, the beneficiaries receive the death benefit.

Disability insurance: Protecting your income and lifestyle

What’s disability insurance?

Disability insurance is a type of insurance that replaces a portion of your income if you become unable to work due to an illness or injury. It helps you manage financial obligations and maintain your quality of life during periods when you can’t work.

Coverages available

  • Individual disability insurance: Provides personal coverage tailored to your specific needs.
  • Multi-life disability insurance: Offers coverage for multiple individuals, often used in business settings.
  • High-limit disability insurance: Provides higher coverage limits for high-income earners.
  • Critical Illness Insurance: Pays a lump sum benefit if you are diagnosed with a covered critical illness.
  • Non-cancellable, own occupation policies: Ensures your policy can’t be canceled and pays benefits if you can’t perform your specific job.
  • Impaired risk disability insurance: Offers coverage for individuals with preexisting health conditions.
  • Business overhead expense insurance: Covers business expenses if the owner or key employee becomes disabled.
  • Buy-sell disability insurance: Helps business partners buyout each other’s shares if one becomes disabled.
  • Key person disability insurance: Protects businesses by insuring key employees whose disability could significantly impact the company.

Frequently asked questions

Disability insurance is a type of insurance that replaces a portion of your income if you become unable to work due to an illness or injury.

Anyone who relies on their income to meet financial obligations and maintain their lifestyle should consider disability insurance.

Disability insurance provides financial protection if you become unable to work, helping you cover living expenses, debts and other financial obligations.

The primary purpose of disability insurance is to replace a portion of your income if you become disabled, ensuring you can maintain your quality of life and meet your financial obligations.

The amount of disability insurance you need depends on your income, financial obligations and the length of time you need coverage. A financial advisor can help you determine the right coverage amount.

Individual disability insurance provides personal coverage tailored to your specific needs and financial situation.

Long-term care insurance: Securing your care in the future

What’s long-term care insurance?

Long-term care insurance is designed to cover the costs of long-term care services, such as those provided in nursing homes, assisted living facilities, or in-home care. These services can be very expensive and are often not covered by traditional health insurance or Medicare. Long-term care insurance helps protect your finances and provides more choices for care, supporting your independence and reducing the burden on your family.

Coverages available

  • Traditional long-term care insurance: Provides coverage for a wide range of long-term care services.
  • Multi-life long-term care insurance: Offers coverage for multiple individuals, often used in business settings.
  • Linked-benefit/hybrid long-term care insurance: Combines long-term care coverage with life insurance or annuities, offering additional financial benefits.

Frequently asked questions

Long-term care insurance is designed to cover the costs of long-term care services, such as those provided in nursing homes, assisted living facilities, or in-home care.

Anyone who wants to protect their finances and ensure they have access to quality care in the future should consider long-term care insurance.

Long-term care insurance helps protect your finances from the high costs of long-term care services, ensuring you have more choices for care and reducing the burden on your family.

The primary purpose of long-term care insurance is to cover the costs of long-term care services, helping you maintain your independence and financial security.

The amount of long-term care insurance you need depends on your financial situation, the type of care you may need and the length of time you need coverage. A financial advisor can help you determine the right coverage amount.

Traditional long-term care insurance provides coverage for a wide range of long-term care services, including nursing home care, assisted living and in-home care.

Why choose us?

  • Strategic partnerships: We collaborate with leading financial institutions to offer unbiased, sophisticated advanced planning solutions that integrate into your overall financial plan.
  • Expertise: Our partners bring a wealth of knowledge from diverse backgrounds, including law, accounting, finance, investments and economics.
  • Wealth understanding: We understand the complexities of wealth acquisition, growth and preservation, ensuring that your insurance policy aligns with your long term financial goals.
  • Strong carrier relationships: We maintain strong relationships with top insurance carriers, providing you with:
    • Dedicated life, disability, long-term care insurance teams
    • A broad range of products
    • Extensive underwriting experience

Disclaimer

WTW hopes you found the general information provided here informative and helpful. The information contained herein is not intended to constitute legal or other professional advice and should not be relied upon in lieu of consultation with your own legal advisors. In the event you would like more information regarding your insurance coverage, please do not hesitate to reach out to us. In North America, WTW offers insurance products through licensed entities, including Willis Towers Watson Northeast, Inc. (in the United States) and Willis Canada Inc. (in Canada).

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