Risk management is generally accepted to be defined as the process of analyzing exposure to risk and determining how to best handle such exposure. For Individuals and Families SPAHR FINANCIAL GROUP, LLC provides health insurance plans from the major providers such as: Anthem, Blue Shield, HealthNet, Aetna, Cigna, Pacific Care, Kaiser Permanente, and well as ancillary benefits as follows:

• Individual & Family Health Insurance, Multiple plan types, PPO, HMO, EPO, HSA, etc.
• Vision, Dental, Chiropractic Plans, from all the major providers.

Insurance planning is provided by utilizing various products from over 248 companies rated by S&P, AM Best, Moody's, and Weisse. SPAHR FINANCIAL GROUP LLC provides solutions for both temporary and permanentlife insurance needs. Income replacement, Estate planning, and Wealth replacement for Individuals and Business needs with:

• Annual Renewable Term, guaranteed renewable term insurance with different benefit periods
• Annual Renewable Term w/return of Premium, annual renewable term with a rider option that provides a return of premium after a period certain
• Universal Life Insurance, a flexible premium adjustable life insurance product that provides a guaranteed minimum interest rate, no maturity date, and flexible premiums
• Variable and Variable Universal, a flexible premium product that provides a permanent policy with variable investment options in sub-accounts
• Single Pay Premium / Limited Pay Life, multiple payment options depending on requirements
• Survivorship Life, also known as "second to die" policy, it is a permanent life insurance solution that pays the death benefit at the passing of the second person (spouse), it is often coupled in a ILIT for the benefit of replacing potential estate taxes on an estate

Our goal is to protect your most valuable asset - your income. We offer Disability Income Insurance in addition to Overhead expense policies, and Buyout policies from the following top rated carriers, Guardian Insurance, Met Life Insurance, Standard Insurance, Pan American and others.

• Disability Income Insurance, utilize own occupation definition of disability income protection, correct benefit amount, benefit period, elimination period, and financial stability of carrier.

Long Term Care includes a wide range of medical and support services for people with a degenerative condition (e.g. Parkinson's, stroke, etc.), a prolonged illness (cancer) or cognitive disorder (Alzheimer's). Long Term Care is not necessarily medical care but rather "custodial care." Custodial care involves providing an individual assistance with activities of daily living or supervision of someone who is cognitively impaired.

To better understand Long Term Care, think of the activities that you performed when you woke up this morning. Some of the ADL's are: Climb out of bed, Walk to the bathroom, Use the toilet, Get dressed, Eat breakfast.

While we are healthy it is easy for us to take for granted the above Activities of Daily Living (ADL's). However, when you or a loved one is stricken with a degenerative condition such as a stroke or Alzheimer's, performing these ADL's becomes impossible without the assistance of another person.

This type of care is Long Term Care. It is the same type of care that a parent must provide for their new baby. This type of care is chronic (full-time) and thus becomes very expensive. Long Term Care can be provided in many settings including nursing homes, your own home, assisted living facilities and adult day care.

• Long Term Care Insurance, we offer a diverse line of top rated companies.

Regardless of the services you require, you can be confident that SPAHR FINANCIAL GROUP LLC will help define a professional course of action designed to help you succeed