Our staff can guide you to an understanding of an appropriate amount of Long Term Care, Life, or Disability insurance to meet your needs. Then you can evaluate the best type of insurance and company to fulfill your needs. PIM is a licensed insurance agency able to assist you in acquiring competitive quality products.

Long Term Care Plans
Studies show that 60% of people over age 65 will require long term care at some point in their lives. As people age, the probability that they will need long term care increases. The average cost of nursing home care is as much as $90,000 to $100,000 per year and the average length of stay is 2 1/2 years.

PIM can assist you in selecting the most appropriate course of action for protecting your assets and evaluate:

• when to acquire coverage
• what benefit options to choose
• premium rate comparisons
• choice of carrier
• ways to fund premium payments

Life Insurance
Early in your career, life insurance allows you to create an estate. That way you can insure that your family and heirs can enjoy the lifestyle you would have provided, if you had the opportunity to do so. If you live long enough to create an estate, life insurance coupled with charitable giving can be a way to transfer more of the estate you have created while reducing the estate's overall tax obligation.

Disability Insurance
An illness or injury that prevents you from earning a living has been referred to as "living death." PIM can help to reduce the impact on your standard of living should such an event occur.

Annuities
These savings or investment products are some of the few unquestioned tax deferral vehicles still available. PIM can assist you in acquiring both fixed and variable products.