Life Insurance

“A society grows great when old men plant trees in whose shade they shall never sit.” – Greek Proverb

When Richard’s dad passed away, the life insurance that was in force was the permanent plan that had been in place for decades. The term had already lapsed. When his Fiancée’s father had a second stroke he had to move in with them because round the clock care was $17,500 a month. We share these stories because Life Insurance and Long Term Care are a critical part of the planning process.

It is our belief that the best type of insurance is the one that is in place when you need it. That could be a term plan that allows you to have Millions in coverage at an affordable premium while you are accumulating assets. It could be a permanent plan that allows you build up a cash value that some people have called infinite banking. You might not want your children to have to change your diapers, and want to use life insurance, or an annuity, to cover long term care costs. Or maybe you just want to remove some money from your estate while leaving your loved ones a tax-free inheritance.

Whatever your situation is, we want to help. We know that, just like camping, everyone enjoys and needs something a little different. 

We would love to know about your situation. 

BACE Financial is an insurance broker, we give you options from the top carriers to make sure that your specific needs are met. 

Richard Miller is a licensed insurance agent with various insurance companies and may receive additional compensation for such transactions. These commissions are separate and distinct from fees charged for advisory services. All insurance and investment strategies have the potential for profit or loss. Always consult with a licensed insurance professional who is qualified to evaluate your specific circumstances and to offer a professional opinion with respect thereto. Insurance product guarantees are subject to the claims-paying ability of the issuing company and are not FDIC insured.

Bace Financial does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to the Bace Financial web site or incorporated herein and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. Hyperlinks on this website are provided as a convenience. We cannot be held responsible for information, services or products found on websites linked to ours.