Insurance

If the unexpected happens, give your family the security of knowing they can stay in their home, finish school and have money for the things that matter.

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Insurance

Peace of Mind for Life

If someone depends on your income for their well-being, you need life insurance. Firehouse Financial can help you take the guesswork out of coverage. We can insure you based on your current financial situation, and if your needs change in the future, you can add additional term policies to increase your coverage.  
 

Two Types of Life Insurance


 

Term Life

Term Life

Term Life offers affordable coverage for a specific period of time:

  • Maximizes coverage for less money
  • Covers large expenses, such as mortgages and educational costs for children
  • Supplements other policies

Whole Life Insurance

Whole, Universal or Variable Life

Whole, Universal or Variable Life policies cover you for your lifetime:

  • Never expires for as long as you live
  • Builds cash value that you may borrow against
  • Stays at the same rate and will not increase
  • Allows you to customize distribution wishes

Still not sure where to start? Reach out to one of our Firehouse Financial Advisors. We’ll get you covered.

Long-Term Care Insurance

Did you know that about half of Americans over 65 will need long-term care? You probably know someone who has dealt with a parent or grandparent who required long-term care later in life. The right time to consider long-term care insurance is long before you’ll need it.

For general information, visit LongTermCare.acl.gov.

Medicare does not cover long-term care, if that's the only care you need. Most long-term care isn't medical care. Instead, most long-term care is help with basic personal tasks of everyday life like bathing, dressing, and using the bathroom—sometimes called "activities of daily living."

Let a Firehouse Financial Advisor walk you through what types of care Medicare and Medicaid programs cover, and how long-term care might impact your income and personal resources.

Long-term care insurance is the only coverage designed for the express purpose of helping pay for extended home care, assisted care and nursing home care. LPL Financial* has partnered with top carriers in the industry to help you protect your financial assets and preserve your lifestyle with proper planning.

The cost of care depends on where you receive it. To learn more about what the cost of long-term care may average in your area, please visit Genworth Industry Expertise – Cost of Care.

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      Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Firefighters First Credit Union and Firehouse Financial are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Firehouse Financial, and may also be employees of Firefighters First Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Firefighters First Credit Union or Firehouse Financial. Securities and insurance offered through LPL or its affiliates are:

      Not Insured by NCUA or Any Other Government Agency
      Not Credit Union Guaranteed
      Not Credit Union Deposits or Obligations
      May Lose Value


      Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

      Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.

      The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.