How will you pay for your kids’ college educations? What about your retirement? What would happen if the breadwinner in your family died or became disabled? Is there any way to lessen the Federal estate tax burden on your heirs?

One of our goals at Hofgard & Company is to help you answer these questions and solve these problems with sound financial and insurance advice. As independent insurance brokers, Hofgard & Company staff represents you . . . the client . . . not an insurance company.

We can help you with:

Individual Health Insurance

Most health insurance coverage is provided by an employer as a benefit for working for the company. However there are times when purchasing health insurance on an individual basis is needed. The process of choosing the right type of coverage in the most cost efficient manner requires knowledge of the health insurance market place and the ability to help people define their own needs.

For a free market evaluation of your health insurance needs, please contact Christine Prieto at 303-442-1000 ext. 114.

Individual Life Insurance

Not all insurance plans are for all individuals and family . . . it depends on your unique goals and needs. For example, you might be looking for term life insurance to ensure that a mortgage would be paid off in case of untimely death, or that college education for your kids would be paid for. Or, you might need a permanent insurance plan, funded by whole life or some other type of permanent insurance, to pay forecasted estate taxes, or even for a retirement nest egg.

For more information, please contact Justina Welch at 303-442-1000 ext. 120.

Individual Long-Term Disability Insurance

Recent studies put the chance of disability at one in three. A sound long-term individual disability insurance plan insures your income and your accustomed standard of living against the possible financial catastrophes of long-term disability. Employer/group disability plans are often capped at a dollar amount that is far below the breadwinners actual earnings . . . we can help you decide on an affordable yet sound plan.

For more information, please contact Kurt Hofgard at 303-442-1000 ext.103.

Individual Long-Term Care Insurance

A recent study predicts that by 2005, elder care will replace child care as the #1 dependent care issue because 1 out of 3 workers will be caring for an aging family member †.

Long-term care doesn’t just happen to the individual that needs the care, it happens to the entire family. Long-term care, like home health care, adult day care, assisted living and nursing home care represents the greatest out-of-pocket health expense facing older Americans. Yet, it is the only major health expense not covered by individual health insurance, Medicare, Medicare supplements or HMOs.

For more information, please contact Bill Hofgard at 303-442-1000 ext.121.

† Business First (The Conference Board) Week of January 3, 2000 (Weekly publication).