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 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, 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. CUSO Financial Services, Inc.* has partnered with top carriers in the industry to help you protect your financial assets and preserve your lifestyle with proper planning.

*Insurance products and services are offered through CUSO Financial Services, Inc. (“CFS”). Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not grantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are licensed through CFS. The credit union has contracted with CFS to make certain insurance products and services available to credit union.

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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      *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/ SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.