Long-term Care (LTC) Insurance:
One of the larger obstacles to retirement and estate planning is the possibility of needing long-term care. At up to several thousand dollars a month, it is not hard to understand how the services of a nursing home can quickly deplete your life savings. After your resources are gone, your family may shoulder the financial burden. By selecting long-term care insurance, you are protecting yourself, assuring that you can afford the care you need, while protecting your loved ones from the financial hardship that a prolonged hospitalization or care facility confinement can create. We are happy to provide you with an illustration or connect you with professionals that can better meet your needs if we are not able to assist you.

Wayne W. Kollas, Inc. provides life and other types of insurance through a variety of high quality insurance companies. Each company has its strengths and weaknesses. Brokers who represent one primary company may find themselves figuring out how to make your needs fit one of their products. Rather than ally ourselves with an insurance company, we have chosen to ally with our customers. Once we have assessed your needs, we can shop all the appropriate companies and find the one that can best meet your needs and budget.

We regularly place policies ranging from modest personal policies through multimillion dollar accounts with specialized needs. Many cases are handled on the traditional broker commission basis but we will also take on projects on a consultative fee for services basis.

We typically handle life, income replacement or disability and long-term care (LTC) insurance.

Life Insurance:
Our clients use life insurance for a variety of purposes. Whether you are looking for a policy to provide for your loved ones after you are gone, are seeking to protect business interests through key employee life or executive life benefits, or are seeking to fund buy sell agreements we can assist you. Our goal is to understand your needs and find the best product on the market for your needs.

Income Replacement (Disability) Insurance:
Disability is another specter that can remove you from your daily activities before you are prepared. An income replacement or disability policy can help you maintain your lifestyle and care for your family. It can also be used as a funding mechanism in conjunction with a buy/sell agreement should you need to retire from the business you own due to disability. Again, we represent a variety of companies each with its own strengths and features. After assessing your situation and understanding your goals, we can help you select the policy that is best for you.

Please feel free to phone us at (888) 575-5445 or e-mail info@wwkinc.com. We would be happy to discuss your needs and how we may be able to assist you.