Life insurance is probably the least pleasant topic but probably the most important. “Who will pay the mortgage if I’m not around?” “What happens to the family lifestyle if I’m out of the picture?” Let us give you an assessment for your life insurance needs. It’s never too early to start one and there are discounts that apply to your Home and Auto policies making it affordable and reasonable.  We offer plans that are inexpensive, retirement-oriented and value based. You decide what works best for you and let us take care of the rest!

Retirement Planning
It’s never too early OR too late to start planning for your retirement.  With our broad range of options we can assess your goals, plot a financial roadmap 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 a REWARDING experience. With the DIVERSITY of our funds we can create a portfolio that is suitable to your goals. All of our retirement plans 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, worry-free and even kind of fun.  Let us show you the difference between traditional saving and smart INVESTING.

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.
  (San Francisco Business wire, Jim Emerman senior VP of American Society of Aging May 23, 2003)
• 37% of people who require long-term care are working age adults 18-64.
  (Georgetown University Long Term Care Financing Project Fact Sheet, May 2003)

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.  Considering 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!

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