A.T. Financial Newsletter
Spring at last! And what better
time to revisit your investments?
In many ways, your portfolio is
like a garden. You plant seeds
that you hope will grow, but over
time, some may prosper while
others wither. The key to
managing either is regular
maintenance, including replacing
non-performers with better
Contact us soon for a portfolio
review where we can weed out
the investments that aren't
meeting your needs and replace
them with those that will bloom.
FOCUS ON INSURANCE
Insured through work?
It may not be enough
Odds are, your employer is not in the
insurance business. So why would
you trust something as important as your
family's security to your employer's group
The reality is that there are a number of
potential shortcomings to many employersponsored
plans. The following are some
of the most common.
Insufficient life coverage. Life
insurance coverage is often tied to your
base salary. For example, it might be one
or two times that amount. Would that
really be sufficient to protect your family if
something were to happen to you?
Limited disability coverage. Disability
coverage (if you have it at all) might
provide benefits for only a short period of
time or only if you are unable to work in
any job, not your own occupation.
No protection from critical illness.
Outside of an executive compensation
package, critical illness protection is not
usually part of most employer-sponsored
Lack of portability. Regardless of the
benefits you do have, should you leave
your job, those benefits will stop and, by
then, your ability to obtain insurance
could be compromised.
No coverage for family members.
Even if your plan offers sufficient
coverage for you, it may not extend to
your spouse or other family members.
For most people, stand-alone policies,
which protect you regardless of your
employment situation, deliver the most
value and the most peace of mind.