Personal Insurance

Long Term Care Insurance

Long term care insurance is an important part of your financial plan. It is an affordable solution to help pay for important health care services as you age.

More of us are living longer, and we are more likely to need some type of assistance – whether it’s physical or occupational therapy or full-time, skilled nursing care. Unfortunately, not everyone is able to put enough aside to pay for extended medical care. Relying on family can be difficult, and it’s not a burden we want for our loved ones.

Long term care policies generally provide coverage for a wide range of health expenses, including:

Nurses
Certified nursing assistance
Physical, occupational and respiratory therapists
Home health aids and homemaker services

These services can be provided in your home, an assisted living facility, an adult day center, a nursing or skilled care facilities or hospice services.

The right coverage for you shouldn’t be driven by price alone. Be sure to talk to a CAI Risk Advisor who can build a plan that gives you the protection you need.

It’s the obvious choice to buy a homeowners insurance policy that will protect your home in case of a loss. Talk to a CAI Risk Advisor and discover how affordable the right coverage can be.

Protect more than your property. Protect your finances and future with umbrella insurance. It can be surprisingly affordable. Talk to a CAI Risk Advisor to learn more about your options.

Life and disability insurance are an important investment for individuals and families. It’s often less expensive than you think. Protect your personal income. Talk to a CAI Risk Advisor today.

Taking control over the unknown requires more than an insurance policy. We’ve put our experience to work for you, sharing insights about emerging risks and the latest regulations that could impact you or your business -- helping you to protect your greatest assets.

Spring Flood Safety Tips

Spring brings warm weather and longer days. It also delivers heavy rains and snowmelt for many areas of the country, increasing the likelihood of floods. How you prepare for a flood and what you do afterward can potentially lessen the damage. To protect you, your family and your property, review these flood safety tips.

7 Tips for Adding a Teen to Your Auto Policy

Adding a teen to your auto insurance will likely cause your premiums to increase. Although this can be quite costly, it is typically less expensive than having your teen purchase their own insurance, and it will provide them with the coverage they need.

Recognize Risk

Understand Risk

Control Risk