As a wise consumer, you protect your assets as needed. Your Health and Future Income are equally important and go hand in hand. No one wants to go through financial setbacks due to illness and no one wants to come of retirement age and realize that they have not prepared for it. Let us help you prepare NOW for your healthcare and retirement!

Retirement Needs
It’s never too early OR too late to start preparing for your retirement.  With our broad range of options we can discuss your goals, and keep your needs updated from year to year.  Whether you wish to venture into a Stock Market based fund or play it safe and steady, we can help you with the cumulative knowledge of financial professionals that will make getting started an ENJOYABLE experience. With the VARIETY of our products we can offer options that are suitable to your goals. Most of our retirement products offer an Income Tax Advantage and YOU decide what works within your budget. FLEXIBILITY, CONVENIENCE, TAX ADVANTAGES and ACCESS to your money before retirement are features that make saving for your future beneficial, and even kind of fun.  Let us show you the difference between traditional saving and smart INVESTING.

Individual Medical Insurance
Medical bills are a concern to all Americans these days. While new federal legislation is in the process it is going to take years to come to fruition completely. Atlas Insurance Agency can get you set with an individual/family policy that meets your needs and your budget. With deductibles that work with you and monthly payment options you can work a policy into your planning and have access to a huge network of physicians. We have HSAs for those who are looking for potential out-of-pocket medical funding AND a tax advantage!

Group Medical Plans
Many employers offer access to group medical insurance and have found that they retain many of their quality staff by doing so. As the administrator of your company you can regulate how employees qualify and perhaps how much the premium is split between the company and the employee. The carrier has access to a huge network of healthcare professionals and facilities. Let us discuss your options and find a product that works in your company’s budget!

Long Term Care and Disability Income
Long Term Care (LTC) is designed to help you cope financially with chronic, long-term illness or impairment. It is created for the needs of people of all ages.  Consider these statistics:

• After Age 65, we have more than a 70% chance of needing some form of long-term care.
• 37% of people who require long-term care are working age adults 18-64.

Many people associate LTC with nursing homes but it can also be the cost of Assisted Living facilities and one’s own home. The younger you start an LTC insurance plan, the better off you are in protecting your assets and retirement; the two go hand-in-hand.

Disability Income Insurance
This type of insurance helps bridge the gap between lost income in the event of illness or injury. WA Workers Comp pays for some lost wages but what would you do if you had a case that was not work related?  Consider that:

• 1 in 3 working Americans will become disabled for 90 days or more before age 65
• The average disability absence is 2.5 years
• A majority of Americans do not have Disability Income nor do they have reserves in the bank to cover their household bills for 3 months

Let’s discuss your personal situation and determine how we can help you with either of these situations. Atlas Insurance Agency has 3 excellently rated companies to offer and quotes are easily done.  Don’t delay, get a quote today!

Term Life
Term life insurance is simple and easily affordable.  Term Life premiums do not change from year to year and the Face Value remains the same. For new families or individuals who understand the need for life insurance but are trying to work with a budget, this type of insurance is ideal. Let us quote some options for you with our strong Life Insurance companies!

Whole Life
This type of life insurance has a death benefit as well as a Cash Value component. This type of plan is for those who want more than simple life insurance coverage so that they can work with the cash value component in a number of ways for their future potential needs. There are many options for you with Whole Life and we can explore these with you!

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Securities offered through Great American Advisors ®, Inc., Member of FINRA and SIPC Home office: 525 Vine Street, 7th Floor Cincinnati, OH 45202. GAA is not affiliated with Atlas Insurance Agency. Securities involve risks including possible loss of principal. www.finra.org
Retirement related contact  ranaya@gaa.net