Business Insurance – Daniel M. Smith & Associates works closely with Business Owners to help implement insurance for the owners, executives and employees that are consistent with the objectives of the business.

• Life and Disability Funded Buy/Sell Agreements
• Key Employee Life Insurance
• Executive Carve-Out Plans
• Life Insurance Funded Business Succession Plans
• Family Business Succession Strategies
• Life Insurance for Estate Planning
• Split Dollar Life Insurance Plans
• Deferred Compensation Plans
• Life Insurance Funded Supplemental Executive Retirement Plans

Personal Life Insurance – Our life insurance product portfolio is comprised of products offered by the country’s best insurance carriers.  Whether your need is for low-cost term insurance, permanent insurance or a more complex program of premium financed insurance, we have the resources and expertise to help meet your needs.  Selecting the right insurance is the first step.

We review your portfolio to evaluate:

• Human life value
• Ownership and Beneficiary Arrangements
• Trusts
• In force Insurance Policy Audit
• Appropriate levels and types of coverage

The following information is only applicable to residents of Alaska, Colorado, Connecticut, District of Columbia, Illinois, Iowa, Massachusetts, Missouri, New Jersey, New York, North Dakota, Ohio, Puerto Rico, Rhode Island, South Carolina and Utah.  The information provided is not intended for residents outside of these states.

Long Term Care Insurance - We have been Certified in Long-Term Care (CLTC) since 2003.

What is long term care?  It is service provided to people who are no longer able to take care of themselves due to chronic illness, injury, or effects of aging.  Care is typically provided in your home, a facility, or other community based setting.

Why is Long Term Care a growing concern?

1. People are living longer.  That’s the good news!  The bad news is that people are living longer!  The fact is the longer you live the more likely you will need care.
2. Families are geographically dispersed and women who traditionally took care of parents are now working outside of the home.
3. Government systems are already overburdened.  This will only get worse once baby boomers begin to retire.  The federal government has recognized this and they are offering LTC Insurance to federal employees.  We feel that by offering their own LTC program, it appears the government is sending a crystal clear message: Get LTC Insurance coverage because we will not be making this an entitlement.
4. The cost of care keeps going up.


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Check the background of this financial professional on FINRA's BrokerCheck