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You've worked hard your whole life and want to make sure that your family is taken care of if something happens to you. At HCO Private Wealth, we understand this sentiment. We work with a number of widows and widowers — some young, some old — but all of whom did not expect to lose their spouse so suddenly. Life must go on for the living and that includes mortgage payments, college tuition, living expenses and retirement.
At HCO Private Wealth, we use a number of strategies to protect you.
Working with our Professional Network, we help you visualize and create an estate structure that best protects your family. Guardians for minor children are identified, trustees for investments identified, and executors picked out to make sure that everything flows smoothly when needed.
Life insurance is a necessary protection for most, however, we believe that you should only have as much insurance as is absolutely necessary. Our insurance audits help you determine the correct amount of insurance you need while our Expert Team of pre-selected insurance agents and companies ensures that you get the best rates possible.
Disability is a bigger threat than death for most. The advances of modern medicine mean that it’s likely we survive a bad car crash or other catastrophe, though our ability to work could be severely impaired. Disability insurance has to replace the income lost in the event of a disability. HCO Private Wealth, with the collaboration of our Expert Team, will make sure you are covered and will determine the right amount and type of disability coverage you need.
For more information regarding protecting your family, contact us today.