Insurance Life insurance With the rising cost of healthcare, the looming federal deficit and the vanishing of Defined Benefit plans by corporations, life insurance has become a valuable tool helping to provide some guaranteed level of financial stability for many families today. At EFinancial Advisors we offer the many varied types of life insurance required to pursue the needs of your family, small business, or corporation to include:Low Cost Competitive TermWhole LifeUniversal Life Variable 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 meet 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 versus surviving. The simple fact is that chances of living with a long term extended disability as a result of a major accident or illness is more likely to happen than dying. Therefore, understanding and having the right type of disability coverage based on your profession is vitally important. At EFG, we offer disability coverage through most of the nation’s top rated carriers which are designed to meet your specific disability need whether short term or long term. Minimize financial risk to your family by insuring that your livelihood is protected should and 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.