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.

Identifying and Responding to Phishing Scams

Phishing is a type of cyberattack that utilizes deceptive electronic communications to manipulate recipients into sharing sensitive information, clicking on malicious links or opening harmful attachments. While emails are the most common delivery method of phishing scams, cybercriminals may also use text messages, social media interactions, fake or misleading websites, or even phone calls.

Avoiding Contractor Scams Following Storm Damage

Homeowners may have to manage significant losses and complicated processes after a significant weather event. While trying to get back on their feet and return to a sense of normalcy as quickly as possible may be tempting, it’s essential to be thorough and diligent in navigating the recovery process.

Recognize Risk

Understand Risk

Control Risk