Life has changed,
so should life insurance.

Cornerstone Benefits Consulting Group (Cornerstone BCG) We work with dozens of national carriers to offer products that fit today's lifestyles. Using technology, we help choose the right insurance products and carriers based on a careful look at risks and financial needs.

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Life insurance that keeps up with your life.

Every client is unique. With our different insurance options, we create solutions that fit each person’s needs.

Permanent Life Insurance

Permanent life insurance is a type of insurance that lasts your whole life and pays money to your family when you pass away. It also includes a savings part that can grow over time, helping you save money for things like retirement or unexpected expenses.

Why Choose Permanent Life Insurance?

This insurance guarantees that your loved ones will get money no matter when you pass away. Plus, you can use the savings part of your policy while you're still alive for things like paying for healthcare or other needs.

Benefits of Permanent Life Insurance:

Lifelong Coverage: You stay covered for life, and it helps you save money in a way that can reduce taxes.
Grows Over Time: Your savings can grow based on how investments perform or at a set rate.
Use Your Savings: You can take out money for retirement, healthcare, or emergencies without paying extra taxes.
Flexible Access: You can use the savings, but remember that doing so might reduce the amount of money paid out when you pass away and may cost extra fees or payments to keep the policy active.

Long Term Care Insurance

Long-term care insurance helps cover the cost of care if you need help with daily activities for a long time, like due to old age or a disability. You can buy it on its own or as part of a life insurance policy.

Why Choose Long Term Care Insurance?

Many people need help with daily activities as they get older or in case of unexpected health problems. These costs are usually not fully covered by regular health insurance or Medicare, especially for a long period. Long-term care insurance helps cover the cost of care, whether it’s at home, in an assisted living facility, or in a nursing home. You can buy it separately or add it to a life insurance policy to save money.

Benefits of Long Term Care Insurance:

Flexible Options: You can choose different plans, like how long the benefits last or if they cover both you and your spouse.
Tax-Free Death Benefits: If you have a life insurance policy linked to long-term care and don't need care, the money goes to your family.
State Partnership Plans: Helps protect your assets if you need medical assistance in the future.

Term Life Insurance

Term life insurance is a type of life insurance that covers you for a certain amount of time, usually between 10 to 30 years.

Why Choose Term Life Insurance?

Life can be full of surprises, but some things are predictable, like paying off a house or having kids grow up and move out. Term Life Insurance gives you coverage for a set time period to help protect your income when you need it most. And as your life changes, you may be able to switch it to a permanent policy to get even more protection.

Benefits of Term Life Insurance:

Simple and Predictable: You pay the same amount for your coverage each month.
Affordable: It is often the cheapest type of life insurance for the amount of coverage you get.
Flexible Options: Some term life policies let you renew them or even turn them into permanent life insurance in the future.

Disability Insurance

Disability insurance helps replace your income if you can't work for a long time because of illness or injury. It usually pays a portion of what you earn.

Why Choose Disability Insurance?

For most people, their ability to earn money is their biggest asset. Disability insurance gives you extra coverage beyond what your employer might provide, and you can keep it even if you change jobs. It often pays out faster than Social Security and can cover more of your income. If you have a low-risk job, you might get better prices and options than group plans, which have the same rates for everyone.

Benefits of Disability Insurance:

Simple Plan Based on Income: Your coverage is based on what you earn.
Tax-Free Benefits: If you buy with after-tax dollars, the benefits you receive are tax-free.
Automatically Grows with Your Income: Benefits can increase as your income goes up.

Annuities

Annuities are plans that give you a steady income during retirement. You can buy them with a big payment or a series of smaller ones. They can be fixed, variable, or indexed, which means you can choose how much risk you're willing to take and the kind of returns you want. People use annuities for retirement planning, income protection, or passing on wealth.

Why Choose Annuities?

Many people worry about running out of money in retirement. Annuities can help by giving you a guaranteed income for a certain time or even for life. They can fill in the gap between your other retirement income and what you actually need. Annuities can also help your money grow tax-free until you take it out, possibly lowering your taxes in retirement. Some annuities also protect you if the market goes down.

Benefits of Annuities:

Regular Payments: Get guaranteed payments for a set time or for life.
Tax-Free Growth: Your earnings grow without taxes until you withdraw them.
Potential for Higher Returns: Some annuities can give you more money based on how the market performs.

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Life insurance is a huge decision and one that requires a lot of answers. We have tried to make it easy to get your questions answered. Feel free to reach out we would love to make this process as easy as possible.