Our entire focus is on you and your money … we help you count it, keep it, grow it.

The professionals at Barclay Insurance Agency provide the following insurance coverages to help ensure that you keep your wealth:

Insurance Services

The professionals at Barclay Insurance Agency provide the following insurance coverages: Life Insurance Disability Income Insurance Long-Term Care Insurance Fixed Annuities

• Life Insurance - The most basic purpose for life insurance is to protect those who depend on your paycheck. If you die prematurely and with limited family savings, life insurance will provide your dependents with the necessary funds to invest to produce income to replace yours until they can live comfortably without it. So, before purchasing a life insurance policy, you should consider your financial situation and the standard of living you want to maintain for your dependents or survivors.
  
  Other common purposes for life insurance are to pay estate taxes, provide for estate liquidity, and fund business buy/sell agreements.

• Disability Income Insurance - A serious illness or injury can harm more than your health, it can have an impact on your ability to work and meet your family’s living expenses. Disability income insurance helps you pay living expenses while you are unable to work. It offers paycheck protection, providing funds directly to you for spending on mortgage payments or rent, property taxes, basic living expenses, or whatever else you choose.

• Long-Term Care Insurance - Long term care can be broadly defined as care provided by another party for the benefit of those who are unable to care for themselves.
  
  We all think we won't need long term care. Yet, Americans are living longer than ever. The longer you live, the more likely you may become ill or have an accident and need some type of long term care. In fact, you may already know of friends or family members who have needed long term care. A sudden illness or injury can happen at any age.

• Fixed Annuities – The basic premise of a fixed annuity is that you give a sum of money to an insurance company, and in exchange, they promise to pay you a fixed monthly amount for a certain period of time. In the case of a single premium immediate annuity (SPIA), the payments begin immediately. In the case of a single premium deferred annuity (SPDA), the payments begin at a date of your choice, for example, at your retirement. These vehicles can be used as tax-deferred investments, or they can be used as a way to convert a lump sum into an income stream.
  
  A fixed annuity can be thought of as a kind of reverse life-insurance policy. Where a life insurance contract offers protection against premature death, the annuity contract offers protection against premature poverty; i.e., it addresses the risk of someone out-living a lump sum that they have accumulated.