Insurance
Protecting Your Loved Ones, Building a Secure Future
At Shield & Ledger, we understand that life is unpredictable. That’s why we provide tailored life insurance solutions designed to give you peace of mind while protecting your family’s financial future. Whether you’re looking for long-term wealth building, temporary coverage, or support for final expenses, we have the right plan for you.
Indexed Universal Life (IUL)
A powerful tool that combines life insurance protection with the opportunity for cash value growth tied to market indexes. With flexibility and long-term benefits, IUL allows you to:
- Protect your loved ones
- Grow savings tax-deferred
- Access cash value for retirement or emergencies
Term Insurance
Simple, affordable coverage for a set number of years. Perfect if you’re looking to:
- Secure financial protection during working years
- Cover debts such as loans or mortgage
- Ensure your family’s stability at an affordable cost
Mortgage Protection
Your home is one of your biggest investments—and your family’s safe place. Mortgage protection ensures that if the unexpected happens, your loved ones won’t have to worry about losing their home. This coverage helps:
- Pay off or cover mortgage payments
- Protect your family’s stability
- Provide peace of mind in uncertain times
Final Expense Insurance
Ease the financial burden on your family when they need it most. Final Expense insurance is designed to cover end-of-life costs such as:
- Funeral and burial expenses
- Medical bills and outstanding debts
- A dignified farewell without financial strain
Why Choose Shield & Ledger?
- Personalized solutions to match your unique goals
- Affordable plans that fit every stage of life
- Expert guidance to simplify the process
👉 Secure your family’s future today. Contact Shield & Ledger for a free consultation.
Fixed Indexed Annuities (FIA)
Grow Your Retirement with Protection
A Fixed Indexed Annuity (FIA) is a retirement solution that blends growth potential with guaranteed protection. Your money earns interest based on a stock market index—without risking your principal in market downturns.
Key Benefits:
- Market-linked growth without direct stock market risk
- Principal protection and tax-deferred growth
- Lifetime income options for retirement security
- Flexible payouts tailored to your needs
Health & Medicare Plans
Protection for Every Stage of Life
At Shield & Ledger, we believe healthcare coverage should be simple, affordable, and designed around your needs. Whether you’re approaching retirement, already on Medicare, or looking for individual health insurance, we provide expert guidance and tailored solutions to keep you and your family protected.
Medicare Advantage
A Medicare Advantage plan (Part C) offers all the benefits of Original Medicare plus additional features. These plans often include:
- Prescription drug coverage
- Vision, dental, and hearing benefits
- Fitness and wellness programs
- Low or no monthly premiums
With Medicare Advantage, you get comprehensive coverage that goes beyond the basics—often at a cost that fits your budget.
Medicare Supplements (Medigap)
Original Medicare doesn’t cover everything. A Medicare Supplement plan helps pay for out-of-pocket costs such as:
- Copayments
- Deductibles
- Coinsurance
These plans give you the freedom to see any doctor who accepts Medicare and provide the extra protection you need for predictable healthcare costs.
Health Insurance (ACA Plans)
The Affordable Care Act (ACA) provides health insurance options for individuals and families who don’t have coverage through an employer. Shield & Ledger helps you:
- Find the right plan on the Marketplace
- Understand subsidies and financial assistance
- Choose coverage that balances care with cost
With ACA health insurance, you and your family can access essential healthcare services, preventive care, and peace of mind—often with affordable monthly premiums.
Why Choose Shield & Ledger?
- Expert guidance to simplify complex choices
- Plans designed around your needs and budget
- Trusted support for Medicare-eligible individuals and families alike
👉 Contact Shield & Ledger today for a free consultation and let us guide you to the right health coverage solution.
Wills & Trusts
Protecting Your Legacy, Securing Your Family’s Future
At Shield & Ledger, we believe that planning ahead is one of the greatest gifts you can give your loved ones. Wills and trusts ensure that your wishes are honored, your assets are protected, and your family is cared for—without unnecessary stress or legal complications.
Why a Will Matters
A Will is a legal document that outlines how your property, assets, and personal belongings will be distributed after your lifetime. With a clear and valid will, you can:
- Decide exactly who inherits your assets
- Appoint guardians for minor children
- Minimize family disputes and confusion
- Ensure your final wishes are carried out
The Power of a Trust
A Trust goes beyond a will by offering additional flexibility and protection. Trusts allow you to:
- Transfer assets smoothly without the delays and costs of probate
- Protect wealth for future generations
- Reduce estate taxes and preserve more for your loved ones
- Control how and when your assets are distributed
Benefits of Estate Planning with Shield & Ledger
- Peace of Mind: Know that your family is cared for and your wishes are secure.
- Asset Protection: Keep your wealth safe from unnecessary taxes and legal challenges.
- Family Harmony: Minimize the risk of conflict by creating clear, legally binding instructions.
- Customized Guidance: Every family is unique—we’ll help you design a plan that fits your values and goals.
Plan Today, Protect Tomorrow
Don’t leave your family’s future to chance. A well-prepared Will or Trust ensures your legacy lives on exactly as you intended.
👉 Contact Shield & Ledger today to start your estate planning journey.