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A well-balanced insurance plan goes beyond just the basics of auto, health, home, and life insurance. Consider adding disability insurance and annuities to your comprehensive policy. When you're crafting a plan, there are many factors to consider such as: financial needs; retirement needs analysis; college education; and estate planning.
To learn more about services offered by W Associates, click on one of the following links.
- Life
- Disability
- Health
- Long Term Care
- Financial + Retirement Needs Analysis
- Personal
- Family
- Business
- Mutual Funds
- Estate Planning
- Annuities
About W Associates, Inc.
Ed Walcoff is the owner and President of W Associates, Inc., located in Asheville, North Carolina. For many years Ed has been helping people craft insurance plans. He has a MBA from Strassford University, a BS degree from Middle Tennessee State University, Life Underwriter Training Council Fellow degree (LUTCF), and is a Registered Financial Consultant (RFC). Ed was a previous board member for 3 years of the Board of Directors for the National Association of Insurance and Financial Advisers. He is on the Board of Directors for the Western NC chapter of Health Underwriters and was President in 2002 and 2003. In addition Ed is on the Board of Directors and past President of the Rotary Club of Asheville West and also an assistant governor in Rotary International District 7670. Ed speaks throughout the state on the laws of insurance, disability, estate, retirement, and education planning.
Life insurance can be a valuable asset to your blend of insurance coverage, especially if you have loved ones that depend on your income. While the most common reason for buying life insurance is to replace the income lost when you die, there are additional reasons why it makes sense to get coverage now. Life insurance can pay off debts left behind (mortgages, car loans, medical bills, and credit card debts) that your family would be responsible for. Life Insurance can cover unexpected funeral costs, create an estate for your heirs, and can be used as an investment vehicle. To see how affordable Life Insurance can be visit our page of example rates.
back to topEveryone who works and earns a living should consider purchasing Disability Insurance. For example, what if you had an accident or became so ill that you couldn't work for days, months, or even years? Without Disability Insurance, you either have to rely on your spouse or family members, or, if you are single, you may have no other means of support! Supporting your children and paying the mortgage could become impossible without Disability Insurance.
Most people who become "temporarily disabled" from work are out of work an average of 6 - 9 months! What would you do without Disability Insurance? Be wise; protect your income, your family, and yourself with Disability Insurance.
Back to topLet's face it - Health Insurance is a necessity in today's world. Even if you are healthy today and have never had any major problems in the past, you simply can't predict the future. What if you suffered a major injury tomorrow or were suddenly stricken with a life-threatening illness? Uninsured people live with such risk every day of their lives. Health insurance can shield you from that risk. And for your entire family too! Numerous trips to the doctor can be pretty expensive without health insurance.
Think about it, everyone gets sick and, unfortunately, injuries occur to most of us as well. The costs of medical care and treatment have soared to new heights in recent years and are expected to rise even further in the years to come. How can you better protect your health and your family's health than with low-cost Health Insurance?
back to topDid you know that 45% of Americans over age 65 will need nursing home care at some point during their lives? And 95% of all Americans will need some assistance with living as they get older. And who will help? Who will pay the bills? You cannot always rely on family. Long Term Care Insurance helps you protect your assets and maintain your financial security should you need long-term care later in life. While no one likes to think about the escalating costs of nursing homes and other elder care expenses, planning now can provide you - and your family - peace of mind now and in the future.
The national average cost of a year in a nursing home is estimated at over $45,000; and in some more affluent areas, the cost is more than twice that amount. Nursing home care is not covered by regular health insurance and Medicare covers only minimal nursing home expenses. In addition, Medicare provides little or no coverage for outside of the nursing home setting: in home care, adult day care centers, assisted living facilities, etc., where 90% of long-term care services are needed! With Long Term Care Insurance, you can be assured you will be taken care of throughout your later years.
Back to topFinancial + Retirement Needs Analysis
How much money will your family or business need if you are in an accident, unable to create income, or in the event of your untimely death?
How much money would you like to accumulate in order to send your children to the college of their choice, help your elderly parents or be able to afford that new house? Does you current strategy include tax-advantaged investments?
How much money above and beyond your pension and Social Security benefits will it take to ensure your comfortable retirement? Have you identified how much you'll need for a secure future?
W Associates can help you with these important issues.
Back to topYou can have security with a comprehensive plan constructed with the individual in mind. With the right blend of Life, Health, Disability Insurance and attention in the financial planning realm, you can rest assured you will be protected no matter what the future holds.
Back to topW Associates can help you craft a plan that will insure that your family will be protected from the financial losses associated with death, accidents and illness, disabilities, and old age.
Back to topDoes your business have the right coverage?
Could your business survive a fire? Or what if a partner in the business unexpectedly dies? Or an on-sight injury occurs resulting in a disabled employee? And what if this employee was permanently disabled, never to return to the workplace again? Could you afford this?
Half of the small business owners in the US would say no - 50% of small businesses either don't have enough insurance or don't have any at all! (Source: Insurance Information Institute.)
A smart business owner would purchase: Fire and Accident Insurance for unexpected disasters; Personal Disability Insurance to protect business owner from unexpected illness or injury; Key Person Insurance designed to protect you from the impact that losing an important employee would have on your business; Business Overhead Expense Insurance ensures that if you get sick, your business will stay healthy. Finally, you can purchase a disability insurance policy that will enable you to buy your partner's business interest in the event that he or she becomes disabled. Life insurance can also be a critical component for specialized business applications, such as funding a buy-sell agreement. Under a buy-sell agreement, life insurance can be used to provide cash for the purchase of a deceased owner's interest in the business.
Back to topMillions of investors today put their money in mutual funds. Why shouldn't you be receiving the rewards mutual funds can offer as well? An advantage of investing in mutual funds is that they automatically provide diversification. Even with a small amount of money, you may own shares of hundreds of stocks or bonds because mutual funds pool money from lots of small investors and invest in a large portfolio with many securities. Keep in mind that, like stocks, there are risky funds with high yields and safe funds with lower yields. To be successful in mutual fund investing, you must be patient and use the fund as a long-term investment vehicle.
W Associates can aid you in your mutual fund investments.
Back to topIf you're concerned about the hows and whys of your estate, and the future security of your loved ones, you owe it to yourself to consider an estate plan.
Don't think of your belongings as an "estate"? Think again. Just because you may not have a multi-million dollar estate doesn't mean an estate plan won't protect the ones you love.
An Estate plan can allow you to plan for your disability and direct the distribution of your property. It saves tax dollars, professional fees, and court costs. And, most importantly, it keeps you in control of your own affairs. A properly designed estate plan can: Provide instructions for your care and that of your loved ones in the event of your disability: Allow you to leave explicit instructions for the care of your loved ones; Create protective trusts for your young children, disadvantaged children, adult children, and grandchildren; Provide federal estate tax planning.
Contact W Associates to see how they can assist in your Estate Planning.
Back to topIf you're like most parents, you want your child to receive a quality college education. Increasingly, a college education is key to a professional career path. And having a college education just makes plain dollars and "cents". Today's college graduates will earn hundreds of thousands of dollars more during their careers than their high school counterparts. (Source: Life Insurance Marketing and Research Association, Inc. Hartford, CT).
The problem is affording college costs can be a lot more expensive than you might think. How much more? The cost of a four-year education at major public and private universities is higher now than ever. That's why it's important to learn about the various College Funding Options available including the new Education IRA.
To see how W Associates can help you ensure that your child's education is sufficiently funded, contact us.
Back to topWant extra income after retirement? Try annuities in addition to any insurance plan. It’s a long-term investment plan with different investment vehicles available, and, like other retirement plans, the funds are allowed to grow tax-deferred until you begin taking distributions.
Back to top
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