44% of American households say that if the family’s primary wage-earner were to die, they would face financial hardship within just six months.*

Solutions to safeguard your family’s future

Life’s complicated but protecting your family’s future shouldn’t be. As part of our comprehensive financial planning process, Janney doesn’t just focus on building and managing your wealth. We’re also committed to helping you safeguard it, by integrating your investments with insurance to prepare you for whatever the future may hold. Some considerations include:

Annuities

Provide predictable income, tax-deferred growth, and potential for long term growth

Disability insurance

Whether long-term or short-term, this can help protect your family if you’re injured and unable to work by replacing lost income

Long-term care insurance

Safeguard your wealth against the impact of a major health care event with a variety of options

Permanent life insurance

Replace lost income and provide additional long-term savings for education expenses or a spouse’s future if you die through an insurance policy death benefit

Key person insurance

Protect your business’ bottom line from the death of an essential employee

Buy-sell agreement

Provide funding to facilitate the succession of your business with a buy-sell agreement backed by permanent life insurance

Irrevocable life insurance trust (ILIT)

Transfer wealth in a tax-efficient manner to future generations

*LIMRA, 2022 Insurance Barometer Study

Even if you already have some combination of life, disability, or long-term care policies, do you know if the coverage amounts still meet your needs or if the premiums and returns are competitive? Is the insurer still financially sound? Let us help you answer these and other important questions.

Talk with a Janney Financial Advisor

You don’t need to go it alone. Wherever you are on your wealth journey, we can build a tailored financial plan and make recommendations that are aligned with your best interest and unique needs, goals, and preferences. Contact us today to discuss how we can put a plan in place designed to help you reach your financial goals.

Find a Financial Advisor

For more information about Janney, please see Janney’s Relationship Summary (Form CRS) on www.janney.com/crs which details all material facts about the scope and terms of our relationship with you and any potential conflicts of interest.

To learn about the professional background, business practices, and conduct of FINRA member firms or their financial professionals, visit FINRA’s BrokerCheck website: http://brokercheck.finra.org/

Insurance and Annuities