Disability and Long Term Care
SML Agency Services, Inc., is a wholly owned subsidiary of Security Mutual Life and is located in Binghamton, New York.
The primary mission of this subsidiary is to enter into marketing arrangements with other organizations to augment Security Mutual’s product portfolio with high-quality financial-planning products that Security Mutual chooses not to manufacture itself.
Currently, SML Agency Services, Inc., offers clients both individual disability insurance and long-term care insurance products. In this way, Security Mutual can offer its clients additional products to support our overall mission of providing financial protection against life’s uncertainties and of helping clients manage their financial resources.
According to experts, most Americans don’t have enough disability insurance. Between the ages of 35 and 65, Americans face a 30 percent chance of becoming disabled and unable to work for 90 days or longer. Since your most valuable asset may be your income, how do you continue receiving income when a serious accident or illness occurs? The disability insurance products we make available through SML Agency Services help ensure that clients will have sufficient income in the event they become disabled.
In addition to being faced with the possibility of disability, many people in their 40s and 50s are also faced with assisting aging parents. Three-fourths of adult children in America will have to provide physical or financial help to their parents. This help is often needed just at the time when their own children are making the greatest demands on their time and resources. Long-term care insurance can help alleviate this situation by providing funds for care in a variety of settings, including home health care, adult daycare facilities, assisted living facilities and skilled nursing facilities.
Since its formation in 1994, SML Agency Services, Inc., has had consistently strong growth. With its high-quality portfolio of individual disability and long-term care insurance products, SML Agency Services is well positioned to provide much-needed protection to this growing and under-served market.
If you are interested in additional details or carrier information, please call us at 1-800-346-7171 or e-mail us.