Insurance and Health Concerns

The future may be a mystery—how you plan for it doesn’t have to be.

Creating a wealth plan that incorporates insurance planning and other health concerns can offer peace of mind when even the most complicated issues arise. The more you plan for the unexpected, the better you can provide for your family and your assets. With our Wealth Advisors by your side, planning for your future—whatever it holds—has never been easier.

Common Types of Insurance

Long-Term Disability Insurance

Long-term disability insurance provides the policy owner with a percentage of their salary for an extended period of time beyond that available through short-term disability insurance.

Long-Term Care Insurance

Long-term care insurance typically covers extended health care either at home, in a nursing home, or at an assisted-living facility.

Life Insurance

There are two life insurance options available, term and permanent. Term life insurance pays a death benefit to beneficiaries in the event of a policy holder’s death within a given term. It is often used to cover dependents in case the term holder dies prematurely. Plans are typically offered in 10-, 20-, or 30-year terms. Permanent life insurance acts similarly to term life insurance except there is no expiration on the policy. Additionally, there is usually a cash value within the policy. Permanent insurance allows for tax-deferred contributions and the option to withdraw cash from the account.

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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Interstate Bank and First Interstate Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using First Interstate Investment Services, and may also be employees of First Interstate Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, First Interstate Bank or First Interstate Investment Services. Securities and insurance offered through LPL or its affiliates are:

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May Lose Value

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