Individual Insurance
Insurance Solutions
Individual Insurance
At Ascent Insurance, we care about the personal and financial security of our clients and their families. We understand the dynamic nature of your financial situation, needs, and goals, and provide personalized insurance policies and programs that keep up with the changes in your life.
Individual Insurance
Life Insurance
The traditional purpose for life insurance has been to provide financial support to those that depend on you in the event of a premature passing. However, life insurance has since become so much more, now an integral part of an individual’s investment portfolio, retirement plan, and succession plan. Life insurance should be a solid cornerstone of your personal financial plan, and we can help craft a solution that protects and provides for you and your family.
Grab a quick coffee with John today to see how life insurance fits into your portfolio.
Individual Insurance
Disability Insurance
Disability insurance protects your income if an illness or injury prevents you from working. It helps provide financial stability during extended periods away from work and can be tailored to support your lifestyle, obligations, and long-term needs.
Protect Your Income
Monthly benefits can help cover essential expenses and reduce financial stress if you’re unable to work.
Long-Term Security
Customized plans can provide dependable protection for you and your family during unexpected health events.
Return of Premium
A Return of Premium rider may allow you to receive 50% of premiums paid back if you don’t make a claim.
Individual Insurance
Critical Illness
While advances in medicine have led to a higher survival rate of major critical illnesses such as a cancer and heart attacks, the cost of recovery has also risen steadily. Time off work with or without a disability plan can be very costly, while prescription drugs and other medication with or without a health plan can also be extremely expensive. Critical illness insurance provides you with money you can use however you like while recovering from a major illness. A lump sum benefit is payable upon diagnosis of a covered life-threatening illness which offers the financial assistance needed during a very difficult time, allowing you to focus on recovery.
A Return of Premium rider is available on critical illness policies so if you don’t make a claim during the life of the policy, you get 100% of your premiums back.
Next Steps
Protect Your Family with the Right Strategy
Whether you're protecting a loan or mortgage, doing estate planning, or building long-term financial stability for yourself and your family, Ascent Insurance can help design a customized strategy that fits your personal goals.