Insurance Life As life expectancy continues to rise, federal deficits increase and pension plans become a thing of the past, life insurance has become a valuable tool in helping to provide some measure of financial stability at the death of primary breadwinner. Our firm offers the following types of life insurance:Low Cost Competitive TermWhole LifeUniversal LifeWhether the need is funding a trust, basic or comprehensive estate planning, Buy-Sell funding for small businesses or corporations, or simply to insure that your loves are protected financially in the event of an untimely death. Let us help you gain financial confidence by designing the right insurance strategy to address your concerns. Lloyds of London Insurance: Our firm has specialized in the providing Lloyds of London insurance for over 15 years to top notch collegiate athletes waiting to be drafted to the National Football League (NFL) and to NFL veterans looking to protect their livelihood in the unfortunate event of an off/on the field career ending injury which often proves to be financially devastating. In addition, Lloyd’s can be used for most other professional sports, actors/entertainers, or businesses needed large amounts of coverage to fund Disability Buy-Outs or Buy-Sell Agreements. Lloyds of London coverage can also be used to insure against losses in specials events such as concerts or golf tournaments. If you are not sure if Lloyds is appropriate for your specific situation give us a call and we’ll find out. Disability Insurance: Disability insurance is often overlooked because most people focus on that fact that they may die from a serious accident or illness rather than survive. At EFinancial Advisors, we offer disability coverage through some of the nation’s top rated Insurance underwriters and the coverage is designed to meet your specific disability need whether short term or long term. Minimize financial risk to your family by insuring that your income is protected should an unforeseen health situation arise. Please keep in mind that insurance companies alone determine insurability and some people may be deemed uninsurable because of health reasons, occupation, and lifestyle choices. Guarantees are based on the claims paying ability of the issuing company.