Filling in the Gaps: Fulfilling your Total Needs UMBRELLA – FILLING IN THE GAPS, FULFILLING YOUR TOTAL NEEDS Vital Affairs Financial Strategists, LLC, Specializes in Risk Management and offers Choices, Strategies and Solutions under one umbrella. HEALTH INSURANCE COVERAGE GAPS – Helping You Rise Above the Cost of HealthCare Is today’s rising cost of healthcare, higher deductions and co-pays leaving you with the option of paying more for healthcare or comprising your benefits and bottom line? Would unexpected medical bills, time off for treatments, monies for living expenses and other indirect costs impact your financial outcome? CRITICAL ILLNESS, DISABILITIES Do you know of anyone who has ever had a stroke, major organ transplant, heart attack, total loss of eyesight, total loss of hearing, end stage renal failure or cancer and survived? What was the impact on their life afterwards? Did there health insurance cover all the costs? Did their health event create undue financial stress on the family? Nursing Facility Care, Assistant Living Facility Care, Home Health Care, Adult Day Care and Hospice Care can have major impact on your business whether it involves partners, employees, family members, loved ones as well as you, the business owner. WHAT IS YOUR RISK? People are living longer and are more likely to experience a critical illness. According to the American Heart Association*:About 85.6 million Americans are living with some form of cardiovascular disease or the after-effects of stroke.Direct and indirect costs of cardiovascular diseases and stroke total more than $320.1 billion.Heart disease strikes someone in the U.S. every 43 seconds.Someone in the U.S. has a stroke about once every 40 seconds. OTHER AREAS TO CONSIDER ARE: Hospital Indemnity CoverageDental, Vision, Hearing CoverageAccidental Death and DismembermentShort – Term Convalescent / Recovery CoverageCancer CoverageFinal Expense Coverage LEGAL PROTECTION Legal protection for your business is vital. So is having options. Unexpected legal questions arise every day. There are more than 101 Reasons to have affordable legal coverage for your business situations no matter how traumatic or trivial they may seem. RETIREMENT There are a minimum of twelve challenges to consider in regards to Retirement. Whether you are nearing or entering retirement, Tax Diversification, Keeping up With Inflation, Tax Free Retirement, Living Benefits, Growing your Assets, Generating Lifetime Income, Preserving Your Lifestyle, Leaving a Legacy and being Philanthropic are among the challenges, concerns and interest we face today. Have a Question? Name Email Phone Question Thank you! Oops!