Long-term care insurance can pay for a range of services not typically covered by medical insurance plans.  Long-term care policies can provide coverage for intermediate care from physical therapists, adult day care, assistance with daily activities, nursing home care, and more.

More information can be found about the cost of nursing home care throughout the country here.

why life insurance?

The majority of Americans would have trouble paying living expenses immediately or within several months if the primary wage-earner died.

long-term care 

Source: Life Happens  

2016  Insurance Barometer Study, Life Happens and LIMRA

disability insurance 

Advice.  protection. trust.

life Insurance

Major life events frequently trigger the purchase of life insurance - getting married, having children, buying a home, and planning retirement are just a few.  But life insurance can be considered at any time.

Zito Insurance provides coverage options for individuals, families and businesses.  Our areas of expertise include:

Life Insurance - including: term policies, whole life, and universal life
Disability Income
Long-Term Care Insurance
Life Insurance Settlement

Life Insurance proceeds can do much more than simply pay for funeral costs.  In the event of a tragedy, life insurance can be vital for the loved ones you leave behind.  Life insurance proceeds can help pay bills, contribute to living expenses, help pay debt, contribute to a child's education, and so much more.

For more information, check out "What you need to know about life insurance" from Life Happens here

When was the last time you thought about disability insurance? When we are feeling good, we don't think of it.  When we're laid up and out of work, it's too late.

Disability insurance is intended to provide income if you are unable to work due to an illness or injury.

Contact Zito Insurance to find out more about disability insurance.