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Insurance Options

Helping you manage risk

Part of financial planning is managing risk. Prior to retirement, your insurance needs might include life insurance and disability insurance. In retirement, you may or may not still have a need for life insurance, and you will almost certainly want to plan for potential long-term care costs. We have the resources to help you assess your needs and find suitable solutions for your situation.

Lucia Capital Group offers insurance solutions through LPL Financial. Through our alignment with LPL Financial we are able to offer policies and products from highly rated insurance providers across the spectrum of life insurance, long-term care insurance, disability insurance, and annuities.

Helping you manage risk
Life Insurance

Help your loved ones prepare for a worst-case scenario

Since there are many choices and strategies for life insurance as part of a coordinated financial plan, we recommend a complimentary life insurance needs analysis. After your complimentary analysis, we will make suitable recommendations for your specific situation.

As a client of Lucia Capital Group, you’ll have access to various forms of insurance, including term life insurance, whole life insurance, and universal life insurance.

Help your loved ones prepare for a worst-case scenario

Is an annuity suitable for you?

We understand that annuities may have a negative connotation to some people. However, depending on your goals, income annuities could potentially be one of the best tools available for retirement income planning. The advisors at Lucia Capital Group are licensed and experienced with all three major categories of income annuities—fixed, fixed indexed, and variable—thus eliminating some of the biases that you may encounter at other firms. We can help you decide if an annuity is suitable for you and assist you in finding one that is designed to help you.

Is an annuity suitable for you?
Disability Insurance

Protect your income and provide some stability for those you care about

Disability insurance pays benefits when the insured is unable to earn a living due to sickness or injury. Like all insurance, disability income insurance is designed to protect against financial disaster.

Many disability policies pay a benefit that replaces some part of the insured’s earned income when he or she is unable to work. The possibility of being disabled for more than three months is greater than the chances of premature death.

Life expectancy is greater today because medicine has made many illnesses and injuries less life threatening. This is good news, but it does increase the need to protect your income with disability insurance.

Protect your income and provide some stability for those you care about
Long-Term Care Insurance

Who will care for you when you get older?

Long-term care (LTC) insurance is a contractual arrangement that pays a selected dollar amount per day for a selected period of time for skilled, intermediate, or custodial care in nursing homes and/or home healthcare.

Because Medicare and other forms of health insurance do not pay for custodial care, many residents of nursing homes have only three alternatives for paying their nursing home bills: their own assets, Medicaid, or long-term care insurance.

Long-term care refers to a range of medical and personal services that provide ongoing care for people with chronic disabilities who have lost the ability to live independently.

The risk of contracting a debilitating illness (and the resulting medical bill) is usually one type of risk best assigned to an insurance company through the purchase of a long-term care insurance policy.

Options for Long-Term Care

Annuities are long-term vehicles designed for retirement. Principal and interest guarantees are based on the claims-paying ability of the issuer subject to their terms and conditions. Keep in mind that if you take your money out early, you may have to pay surrender charges and, if you’re younger than 59½, an additional 10% tax penalty. Naturally, if you take an early withdrawal, your death benefit and the cash value of the annuity contract will be reduced. Equity-indexed annuities don’t directly participate in stock or equity investments. Withdrawals or surrenders before the expiration of an indexed period will result in no index participation for those amounts. Failure to maintain the contract until it matures may result in no participation in the equity index, and actual returns may be less than the return of the linked index—possibly even negative if you surrender any of the contract before the expiration of any applicable surrender charge period. Annuities are not FDIC insured. Certain terms and conditions apply, so please read insurance company materials carefully.

Insurance product guarantees are subject to the claims-paying ability of the issuing insurance company, and are subject to their terms and conditions.

Long Term Care coverage policies and provisions may not be available in all states. Approval may be subject to the terms and conditions of the insurance company.

Insurance services offered through LPL Financial or its licensed affiliates CA Insurance Lic. #0518721.