Life Stages
Insurance needs are personal and based of where you are in your life. You have individual needs, as well as, family needs. These life instances are unpredictable, so being prepared and making the right choices for all your needs is important to maintaining financial security; for you, your loved ones, employees and business ventures.

Plan ahead. Safeguard your current and future plans and make your way to financial security and well-being. At LifeCentra, we understand your unique needs; we will help you find the right type and amount of protection.

Find out today where to begin and what to look for at each stage of life, so you can achieve your goals tomorrow.

Select Your Current Life Stage and Start Planning
Explore solutions that help ensure financial security at each stage

Single and On Your Own

You may be on your own now, but that may not always be the case. Whether you plan to remain single or not, you need to start planning your future, saving for your own goals and getting everything on track for the rest of your life. The best part is, you’re bound to enjoy the experience thoroughly!

Alternately, you can also Plan by Goal

LIFE INSURANCE
Ensure your financial security for the years to come, whether you remain single or plan to have a family someday.
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DISABILITY INSURANCE
Retain financial independence against unexpected illness/injury by protecting a portion of your wealth.
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RETIREMENT PLANNING
Set a plan in place for the future, so you can pursue your interests when there are no demands on your time.
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On average, the government disability payment is $1145 a month. Will you be able to survive on that if something happens?
Married or In a Relationship

Whether married or a long-term relationship, it becomes critical to consider your well-being and financial security in two ways – your individual goals and common goals as a couple. You now have someone other than yourself to think about, especially when it comes to important life decisions and financial stability. If you’re going to start a family together, consider that in your plans, as well.

Alternately, you can also Plan by Goal

LIFE INSURANCE
Make sure your partner remains financially secure no matter what happens, and plan your future together.
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DISABILITY INSURANCE
Ensure that you aren’t left dependent on your partner if an illness/injury leaves you unable to work.
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RETIREMENT PLANNING
Start planning your financial goals and future as a couple, especially for the golden years to come.
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Over a third of all adults are concerned about leaving their funeral expenses for others to pay, in case they die prematurely.
Planning and Starting a Family

Being in a family is amazing, bringing new life into the world and getting ready to experience another individual as a part of your foundation. The major change is worth the sacrifice. The responsibility of being a parent becomes easier when you have a plan in place.

You need to provide everything from diapers to college tuition, start planning today so you can provide the financial security you want your family to enjoy.

Alternately, you can also Plan by Goal

LIFE INSURANCE
Set protection in place so that your family will always be able to enjoy the financial security you provide.
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DISABILITY INSURANCE
Ensure that your loved ones are provided for, even if an illness/injury leaves you unable to work.
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ANNUITIES
Build a steady stream of income for your future through the smart financial planning you do today.
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LONG TERM CARE
Make sure your loved ones are not burdened with heavy costs in case you ever need long term care.
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RETIREMENT PLANNING
Set a plan in place for the future, so you and your loved ones can enjoy complete financial independence.
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Over half of all Americans aged 40 or older have had to provide regular long-term care services to a family member or close friend.
Empty Nest and Retirement

When the kids move out and start college or work, suddenly you have a lot of time on your hands, which can be compounded by the approach of retirement age. This is the time when you need to start thinking about yourself, and plan how to fund hobbies or interests you love. Be prepared by setting up a safety net and then sit back to enjoy a brand new outlook on tomorrow!

Alternately, you can also Plan by Goal

LIFE INSURANCE
Set up protection today so that the unexpected does not cost your loved ones their financial security.
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ANNUITIES
Making the right investments today gives you a reliable source of income tomorrow, and for the years ahead.
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LONG TERM CARE
Plan for the possibility of long term care and ensure that you and your family remain financially independent.
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RETIREMENT PLANNING
Plan your wealth and estate so you can enjoy comfort and leisure when you’ve retired from work.
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Around 70% of people aged 65 and up will require long-term care services in some form or the other during their lifetime.
Widowed or Divorced

Life changes drastically when you lose a partner, since you’re used to making decisions together and looking out for each other. Suddenly being on your own after spending even a few years with someone is very different from being single, and you will have a new set of challenges ahead of you.

Managing a deceased partner’s assets, getting a job to replace income or deciding where to invest alimony – everything needs a plan!

Alternately, you can also Plan by Goal

LIFE INSURANCE
Protect your future and the financial well-being of your loved ones by planning for the unexpected.
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ANNUITIES
Achieve your financial vision and goals with investments that offer a steady stream of income later in life.
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LONG TERM CARE
Retain your independence and current lifestyle no matter what comes your way at any stage in life.
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RETIREMENT PLANNING
Set up a fund that takes care of your expenses when you retire, so you will always be financially independent.
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Close to 33% of people have not invested in life insurance or enough of it because they “don’t like thinking about death.”
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