Special Needs and Elder Care Planning

Families with special need loved ones want a future with as much independence, financial security, and quality of life for them as possible. At the same time, they need to provide for their other dependents and plan for their retirement.

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Special Care Planners to Help You and Your Family

It is critical to have a financial plan in place that addresses both the traditional aspects of planning, including how to protect and grow your assets, as well as the unique challenges you face.

Barnum has designated Special Care Planners that have received advanced training in estate and tax planning strategies, special needs trusts, and government programs. They coordinate with your other advisors and can help you identify additional advocates, including qualified special needs attorneys, non-profit disability organizations, and other service providers.

A Barnum Special Care Planner will help you review your assets and liabilities, outline your immediate and long-term goals, identify any risks or shortfalls, and help you put in place an integrated strategy to make you feel more secure and confident about the financial future of your entire family.

EMPOWERING FINANCIAL SECURITY FOR SPECIAL NEEDS FAMILIES.

At Divine Path Financial Group, we specialize in crafting life insurance plans that are specifically tailored to meet the unique needs of special needs families. We understand that caring for a loved one with special needs requires careful planning and consideration for their long-term well-being. Our approach goes beyond traditional insurance offerings, focusing on providing comprehensive coverage that ensures financial security and peace of mind. Whether it's ensuring lifelong care through trust planning or providing immediate support with living benefits, we are dedicated to supporting you every step of the way. With Divine Path Financial Group, you can rest assured that your family's future is in compassionate and capable hands.

LIVING BENEFITS

TAILORED PLANNING FOR FAMILIES WITH SPECIAL NEEDS CHILDREN AND ADULTS.

Introducing a pioneering new type of coverage tailored to protect against the distinct challenges encountered daily by special needs families:

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Comprehensive Living Benefits: Your Safety Net During Uncertain Times

The Divine Path Life Insurance for Special Needs Families isn't just a policy; it's a crucial support system tailored for families navigating the challenges of caring for a loved one with special needs. Our plan offers extensive living benefits designed to provide essential financial support during life's most challenging moments. In the event of a serious health condition like a critical or terminal illness, you can access a portion of the policy’s death benefit to cover medical expenses and urgent costs, alleviating financial stress for your family. Additionally, our disability income rider ensures a steady income if you're unable to work due to injury or illness. Long-term care benefits are also included, helping to cover in-home care or nursing facilities, providing stability while you focus on caregiving and family needs.

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Retirement Protection: Securing Your Family's Future

Planning for a secure future is vital for families with special needs members. Our plan provides robust retirement protection, ensuring you have the financial resources to enjoy retirement years with confidence. With options to accumulate cash value over time, you can build a financial safety net to supplement retirement income, offering stability and peace of mind as you transition from active caregiving responsibilities. Flexible convertibility options allow you to transition from term coverage to a permanent policy, maintaining lifelong protection and safeguarding your family's financial legacy.

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Commitment to Special Needs Families: Our Promise of Support

At Divine Path, we deeply respect and support special needs families. We understand the unique challenges you face daily, and our plan is crafted specifically to meet those needs. Whether you're navigating daily caregiving or planning for long-term financial security, our comprehensive living benefits and retirement protection ensure your family's well-being. With empathy and specialized knowledge, we're committed to being your trusted partner, honoring your dedication with a plan designed to provide enduring support and peace of mind.

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LEARN MORE ABOUT BENEFITS FOR FAMILIES WITH SPECIAL NEEDS CHILDREN AND ADULTS.

At Divine Path Financial Group, we understand the unique challenges and responsibilities that come with caring for a loved one with special needs. Our Life Insurance for Special Needs Families is designed to provide peace of mind and financial security, ensuring that your family's future is protected, no matter what the future holds.

Comprehensive Coverage Tailored to Your Needs

Our life insurance plans for special needs families offer comprehensive coverage that goes beyond traditional policies.

We provide:

Financial Protection:

Ensuring your loved one with special needs will continue to receive necessary care and support, even after you're gone.

Customized Solutions:

Tailored plans that consider the specific needs and circumstances of your family, providing flexibility and peace of mind.

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Benefits Designed with Your Family in Mind

Lifetime Coverage:

Guaranteeing lifelong protection for your loved one, ensuring their ongoing care and well-being.

Living Benefits:

Access to funds while you're still alive in case of a critical illness, providing financial relief during challenging times.

Trust Planning:

We emphasize the importance of establishing a trust alongside your life insurance policy. A trust can safeguard assets and ensure they are used appropriately to support your loved one with special needs throughout their lifetime.

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Learn how our products with Living Benefits work to give veterans and their families peace of mind!

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Chronic Illness Coverage

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Blog Posts

News & Insights

Our articles provide valuable tips and in-depth analysis to help you secure your financial future and make informed decisions. Whether you’re planning for retirement, protecting your wealth, or seeking strategies for sustainable growth, our blog is your trusted resource for achieving financial peace of mind and building a legacy of security and prosperity. Join us as we navigate the path to financial stability together.