Yes.  Bratton Insurance Inc. can help you secure your family’s financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living.

There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs

The stated interest on the investment portion changes along with movement in interest rates; moves in 1/4 % interest steps are typical as banks and other financial institutions make similar moves.

Term insurance premiums will not increase during the guaranteed policy time period (term) you select. Term Life Insurance pays a death benefit only if you die during that term. Term insurance generally provides the largest insurance protection for your premium dollar.

Term Life Insurance remains in force for as long as premiums are current, provided there are no misrepresentations on the application. The insurance coverage terminates if you discontinue your premium payments.

Final expense insurance is a perfect alternative to traditional life insurance, because it is more affordable, no medical exam is required, and premiums will not increase over time. In addition, final expense insurance can provide funds to your family within 24-48 hours of your passing whereas traditional life insurance plans can take weeks to pay out.  This instant, short-term monetary relief can be crucial for staying current with mortgage payments and covering day to day living expenses.

Final expense insurance is no longer a luxury, it is a necessity.  So what are you waiting for?  Give yourself and your loved ones peace of mind today.

Imagine the worst case scenario.  A fatal accident today would force your loved ones to immediately experience financial hardship.  On top of your final expenses, the mortgage is due, but your family has no way to pay it without your income.  They haven’t even had enough time to grieve and now they have to deal with the impending tragedy of foreclosure.

Like most life insurance, mortgage protection insurance eases the financial burden of your loved ones.  It is an affordable way of ensuring that your home is paid for no matter the circumstances.  Cancer, stroke, heart attack, injury, death… your family will never be in jeopardy of losing its home as long as you put a custom mortgage protection insurance plan in place.

Rising life expectancy means that the potential need for “long-term care” grows with every passing year of your life.  The likelihood is that you or a member of your family will need long-term assistance due to a prolonged illness, a disability, or general deterioration of your health and ability to perform routine daily activities.

Most long term care expenses are not covered by Social Security or Medicare, Medicare Supplement (“Medigap”), or private health insurance.  Medicaid pays for nearly half of all nursing home care, but you must meet federal poverty guidelines and may have to “spend down” most of your assets on health care.

A fixed annuity can help you accumulate tax-deferred earnings as part of your overall retirement plan. Annuities offer the opportunity for lifetime payments and tax-deferred earnings, and provide a guaranteed death benefit for your beneficiaries. All guarantees are backed by the continued claims-paying ability of the issuing insurance company.

You may want to consider investing in an annuity as part of your long-term financial strategy if:

• You’re in a higher tax bracket, and want to defer additional income.
• You’ve reached your deductible limit on all your retirement accounts and wish to save more for retirement.

An annuity is different from most other retirement savings vehicles — it’s actually a contract between you and an insurance company.  In return for making one or more premium payments, the insurance company agrees to provide you an income stream — usually during retirement.  You can elect to receive payment all at once or as a series of payments, even for the rest of your life.