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Diligent Risk Management

Life Insurance

Progressive Financial Concepts views life insurance as an essential component to an all-encompassing portfolio. Life insurance ensures protection to your loved ones and dependents upon your death. This benefit is meant to help replace the income you would have otherwise earned. There are two main types of life insurance – Term and Permanent.


Term Life Insurance is meant for those who are in need of coverage at an affordable cost. This can help you get proper coverage for a specific need for a certain amount of time.


If you are seeking lifetime protection - then this may be your best option. Permanent Life Insurance is like owning property - it is meant for those individuals who are looking for solutions to help meet their long-term needs. In the long-run, this option may be the most inexpensive form of life insurance. Because premium are fixed, it builds value. Plus, this cash-value is accumulated on a tax-deferred basis.

Estate Taxes

A special type of life insurance can be used to pay estate taxes. Typically, the policies are owned by trust that is set up to keep the death benefit from inclusion in the client's estate.


An annuity can provide you with a tax-deferred way of saving for your retirement. And once you've retired, an annuity can give you a guaranteed stream of income for as long as you live. It's like getting a paycheck for the rest of your life; and it can help you maximize your income throughout retirement.

Disability Income Insurance

It’s hard to imagine being disabled by illness or injury - especially if you are healthy and hard working. But it can happen. In fact, here are a few things you may not know:

  • One in three working Americans will become disabled for 90 days or more before age 65.*
  • The average disability absence is 2½ years.*
  • More than 80% of working Americans don’t have disability income insurance or aren’t covered adequately.*

Progressive Financial Concepts has flexible Disability Income Insurance plans offered through New England Financial that:

  • Can maintain your standard of living by providing a monthly income
  • Can be customized to fit your personal needs
  • Help you retain independence and dignity without burdening others
  • Help keep your financial dreams and goals of the future in tact

*Commissioner’s Individual Disability Table A

Long Term Care

Long-term care includes a range of services that help people with the tasks of everyday life, like taking a shower or dressing. Care may be provided in a number of different ways and settings, from home health care to assisted living facilities and nursing homes. It can also include adult day care. Providers range from homemakers to registered nurses and therapists.

Health Insurance

Health Insurance is meant to help protect you in the event of a illness or bodily injury. It provides coverage for your prescriptions, doctor and emergency room visits, hospital stays and other medical expenses. All policies differ in what they may cover, whether it be the size of the deductible, and/or co-payment, coverage limits and the options for treatment available.

Property and Casualty Insurance

When it comes to insuring your home, cars and business, Property and Casualty Insurance is a necessity. Property and Casualty insurance protects you and/or your business against the liability for losses caused by injury to other people or damage to the property of others.