Introduction

It's Part of Your Financial Foundation

Disability, major illness or injury, and death can create havoc and cause serious financial hardship—if you're not properly insured. Properly managing major life risks means having the right protection so a debilitating illness doesn't put an end to your income, a life-saving medical procedure can be performed without regard to cost, and your loved ones have money to live on when you're no longer here.

These catastrophes happen to every one of us ... sooner or later. If a major illness, disability, or death happens while you're still working, lack of protection—and even the wrong protection—can mean a lifetime of savings lost. If all your money is lost, what will happen to your life or the lives of others who depend on you?

Investing for your financial future is essential before you start investing money for your retirement or your child's education. The building blocks in a strong financial foundation consist of having three to six months of living expenses in an emergency fund, minimal consumer debt, and adequate insurance protection (life, disability, health, property, liability). Having enough—and the right type—of insurance significantly reduces your risk of a future financial emergency turning into a financial catastrophe.

This section will focus on the kinds of insurance that reduce or eliminate the risk of catastrophic financial loss as a result of illness or injury, disability, and death.

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Securities and Investment Advisory Services are offered through LPL Financial, a Registered Investment Advisor, member FINRA/SIPC. Insurance products are offered through LPL Financial or its licensed affiliates. Heartland Planning Associates is a trade name of Heartland Bank. Heartland Bank and Heartland Planning Associates are not a registered broker/dealers and are not affiliated with LPL Financial.  The investment products sold through LPL Financial are not insured Heartland Bank deposits and are not FDIC insured.  These products are not obligations of Heartland Bank and are not endorsed, recommended or guaranteed by Heartland Bank or any other government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.  The LPL Financial representatives associated with this website may discuss and/or transact securities business only with residents of the following state: Ohio. Check the background of investment professionals associated with this site on FINRA's BrokerCheck.

Not Insured by FDIC or Any Other
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Not Bank Deposits or
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May Lose
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