As our world can at times be unsettled in many different ways, I continue to help my clients achieve “certainty in uncertain times.” For the financial catastrophes of premature death, disability, and the (inevitable) need for extended care as we age, the primary solutions are guaranteed insurance products. There are two important developments here:
Significant rate reductions on Term Life insurance.
Excellent “hybrid” policies containing both Life and Long-Term Care insurance.
Regarding income needs, guaranteed interest rates on fixed annuities are currently at their highest point in many years, with some interesting new features available, as well. Remember, all interest earned on an annuity is tax-deferred, so no tax is due during the accumulation period. Please reach out to me for details.
Be kind to each other and stay safe!
About Steve Hecht
I’m Steve Hecht, and I’ve dedicated my professional life to helping individuals, families, businesses, and non-profits protect themselves from the unexpected.
People tell me that they choose me to help them for these reasons:
•I am truly independent, which allows me to choose from all insurance companies – on your behalf. So you get the best coverage, company, and cost - for you.
•I am objective. My training and experience inform my approach. I’ll tell you what I honestly think is best – what you need, and what you don’t need.
That’s why I founded Long Term Financial over thirty years ago, and in recent years my practice has expanded to include clients from coast-to-coast.
Below are the insurance products currently available through me. Please note that the items listed in red are direct links for quotes and enrollment.
Life
Disability Income
Long-Term Care
Annuities
Dental and Vision:
Contact
➤ LOCATION
PO Box 688
Grapeview, WA 98546
☎ CONTACT
(360) 868-4429
Education/Designations/Associations
Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC)
Masters degrees in Financial Services and Management
Past Chairman, Baltimore Chapter, Society of Financial Service Professionals
Member, National Association of Insurance and Financial Advisors
Member, Society of Financial Service Professionals
My Promise to You
I represent my clients, not any particular insurance company or companies. I have access to all insurance markets and am able to find the best products for my clients’ specific needs, objectives and budgets. Best of all, my independence and objectivity are available to you at no charge. My compensation comes from the insurance companies, if and when a purchase is made.
Let's Chat.
Use the form below to contact me. I’ll get back to you right away!