Lang isn’t like other insurance agencies. They don’t disappear after the policy is signed. They make sure that insurance companies keep their promises. That’s what insurance is all about – promises that are kept. That’s what Lang is all about.

JOYCE & BOB EVANS

Lang isn’t like other insurance agencies. They don’t disappear after the policy is signed. They make sure that insurance companies keep their promises. That’s what insurance is all about – promises that are kept. That’s what Lang is all about.

JOYCE & BOB EVANS

This is where peace of mind starts – looking after the people you love.

We’ve managed more than 6,000 individual policies over the past 25 years and it never gets old because every day we hear from people who have been helped, healed, and saved by their policies.

How are we different? We offer what people need most – thoughtful listening, expert advice, practical solutions, and an accessible staff to answer your questions.

4 STEPS TO PERSONAL PLANNING

We follow a process to find every client’s sweet spot, and manage both their safety and risk tolerance using insurance.

LIFE INSURANCE

When I couldn’t get life insurance anywhere, Stacy and Alana took over. They found the source of the problem, addressed it in a cover letter to the carrier, and came back with a favorable decision. Thank you, Lang Financial!

DAVID SCHWANER Attorney | Schwaner Law Group

When I couldn’t get life insurance anywhere, Stacy and Alana took over. They found the source of the problem, addressed it in a cover letter to the carrier, and came back with a favorable decision. Thank you, Lang Financial!

DAVID SCHWANER Attorney | Schwaner Law Group

Life Insurance is the foundation of all financial planning.

It can help you plan for the future of your family as well as your business. That’s why the first step in creating a plan is figuring out what you want your life to look like, where you want to go, what you want to do. Then it’s up to us to do our research and propose a plan that will help you get what you want both at work and at home.
Of course, when there’s a significant change in your life, we’ll need to review your plan and make adjustments. What sorts of changes necessitate a review? Anything substantial in your business or family life, such as:

All Life Insurance policies fall into one of two categories…

Term Life Insurance which provides protection for a set period of time such as 10, 20, or 30 years

Permanent Life Insurance which provides lifelong protection

How long has it been since you revisited your Life Insurance policy? Do you have too much or too little? Have you incorporated the tax advantages of life insurance into your financial plan? Give us a call and we’ll make sure your plan supports you in all the right places.

DISABILITY INSURANCE

Insurance is something you need when you don’t think you need it, and when you need it you’re happy as hell you bought it. In 1999, I didn’t want to buy disability insurance for the 3 of us at the business. Who the hell is going to get hurt? But Stacy made such a compelling case that my ex-CFO did it behind my back. A few years later, I broke my neck in an accident and lost the use of my legs, but because of Stacy’s passion and persistence, I’ll never have to sell my house or rely on the generosity of friends and family — and either will my children. I will be financially independent for the rest of my life, and I owe that to Stacy. Thank you, Stacy, for looking out for my best interests.

JOEL HEIFITZ CEO | Concept Laboratories PICTURED ABOVE

Insurance is something you need when you don’t think you need it, and when you need it you’re happy as hell you bought it. In 1999, I didn’t want to buy disability insurance for the 3 of us at the business. Who the hell is going to get hurt? But Stacy made such a compelling case that my ex-CFO did it behind my back. A few years later, I broke my neck in an accident and lost the use of my legs, but because of Stacy’s passion and persistence, I’ll never have to sell my house or rely on the generosity of friends and family — and either will my children. I will be financially independent for the rest of my life, and I owe that to Stacy. Thank you, Stacy, for looking out for my best interests.

JOEL HEIFITZ CEO | Concept Laboratories PICTURED ABOVE

Most people think of assets as tangible goods.

For instance a home, a business, an estate. But for most working individuals, the ability to earn an income is your most valuable asset when you consider that the average high school graduate can expect to earn over $1 million in a lifetime, and the average person with a professional degree will earn over $3 million.

A disability can pose a serious threat to your most valuable asset – your income. Long-Term Disability Insurance or LTD replaces a portion of your salary on a monthly basis if you are unable to work due to a disability.

There are two basic types of disability coverage – group and individual. Group LTD plans are only in effect while you work for the employer with the plan, whereas individual policies will follow you wherever you work. Individual policies also tend to have more robust benefits. This is why, under most circumstances, we advise our clients to consider a combination of individual and group policies.

Just as every policyholder is different, so too is every disability policy. Designing a custom policy that perfectly matches each holder’s values, lifestyle, and financial profile is something we take to heart and are skilled at achieving. Let us know if you’d like to have a conversation.

LONG-TERM CARE INSURANCE

LONG-TERM CARE INSURANCE

Long-Term Care Insurance or LTC helps you pay for home healthcare, assisted living facilities and nursing home residency, and other long-term care needs for yourself or for an elderly dependent.

Who should consider a Long-Term Care Insurance policy? In a word, everyone. A recent study by the U.S. Department of Health and Human Services noted that people who reach age 65 have a 40% chance of entering a nursing home and an average life expectancy of nearly 79 years. Furthermore, the median cost of a private room in a nursing home in America was $100,000 per year in 2018 or 1.6 times the national annual household income according to AARP. Sadly, Medicare and Medicare Advantage do not cover custodial care in a nursing home, assisted living or home healthcare setting. Unless you have savings or Long-Term Care Insurance, you’d have to spend your assets to qualify for Medicaid when you no longer can take care of yourself.

In short, long-term care can be emotionally and financially devastating for most dependents and their families. Planning for the health and well-being of yourself and others you love is a gift to everyone in the family.

HEALTH INSURANCE

HEALTH INSURANCE

Health Insurance and Medicare Supplement Insurance are the most basic and most essential of all forms of insurance. They keep you safe in a dangerous world. We work with numerous insurance carriers to help you find a plan that fits your budget and your health priorities, from a plan that offers generous coverage to a high-deductible plan designed primarily to protect your family from the cost of catastrophic illness.

INSURERS

INSURERS

Let us help make you and the people around you safer, healthier, and more secure.
We’ll get back to you within 24 hours.

Let us help make you and the people around you safer, healthier, and more secure.
We’ll get back to you within 24 hours.