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Insurance Products for Retirement

Insurance Products for Retirement

Macino Financial Services uses in-depth knowledge of insurance products to help you find a policy that’s right for your situation.

You have worked too hard to see your savings disappear or to have to endure prolonged financial hardship for situations you can’t always control. We take the time to get to know you and understand your risks and financial concerns before recommending one or more of these types of insurance:

  • Long-Term Care Insurance:  This insurance product is not the same thing as your health insurance. It provides a maximum daily benefit for services such as respite care, living at a nursing home or assisted living facility, adult daycare, hospice care, and several others.
  • Personal Life Insurance:  A life insurance policy provides money to your beneficiaries after your death. We help you weigh the pros and cons of term life insurance and universal life insurance, the two most common types of policies available.
  • Disability Insurance:  Short-term or long-term disability insurance provides you with income if you become seriously ill or injured and can’t work. The first type pays some or all of your wages for up to six months. Long-term disability deals with injuries and illnesses over six months and potentially for the remainder of your life.
  • Mortgage Protection Insurance:  If you become disabled and are unable to work either temporarily or permanently, this insurance product covers your monthly mortgage payment for the duration determined by the policy. You can also draw on your mortgage protection insurance if you lose your job. If you die before you have paid your mortgage in full, the plan may pay the remainder of the balance.
  • Medicare Supplemental Insurance:  Although everyone age 65 and older can participate in the federal Medicare program to receive health insurance after retirement, it’s not enough to meet all expenses. This insurance product covers co-payments, deductibles, and other out-of-pocket medical expenses.

You can learn more about each of these types of insurance products by navigating to the page of the same name or by contacting us.

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Investment advisory services offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. VCM and Macino Financial Services are independent of each other. For a complete description of investment risks, fees and services, review the Virtue Capital Management firm brochure (ADV Part 2A) which is available from your Investment Advisor Representative or by contacting Virtue Capital Management.

 The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.

Information provided is not intended as tax or legal advice, and should not be relied on as such.  You are encouraged to seek tax or legal advice from an independent professional.

Investment advisory services are offered through Virtue Capital Management, an SEC Registered Investment Advisor. Macino Financial and VCM are independent of each other. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the Commission and does not mean that the adviser has attained a specific level of skill or ability.All investment strategies have the potential for profit or loss. Changes in investment strategies, economic conditions, contributions or withdrawals may significantly alter a portfolio’s performance. There is no guarantee that any specific investment or strategy will be suitable or profitable for a particular client. Past performance is no guarantee of future success. We cannot guarantee that a portfolio will match or outperform any particular benchmark. None of the content should be viewed as an offer to buy or sell, or as a solicitation of an offer to buy or sell the securities discussed. Information on this website does not involve the rendering of personalized investment advice, but is limited to the dissemination of general information on products and services. A professional adviser should be consulted before implementing any of the options presented.