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Insurance coverage is an important and often overlooked portion of your financial strategy and planning.  There are many facets to your insurance segment of your financial plan, such as life, disability and long-term care.  If you are changing employers or retiring, the employer sponsored plans may afford you the opportunity to continue the coverage individually.

To safeguard your assets and protection for your loved ones in the event of death, disability or loss of income, insurance coverage can play a key role.  Do you purchase a whole life, universal or term life insurance policy? In the case of disability insurance, there are short-term or long-term policies.  With long-term care for potential assistance for everyday living activities, there are policies which return unused premiums. Let us assist you in the evaluation of your insurance coverage.

















Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC, are: not deposits, not insured by FDIC or any other governmental agency, not guaranteed by Southern Michigan Bank & Trust, are subject to risk, and may lose value. Southern Michigan Bank & Trust and the Southern Financial Group are independent of Raymond James.

Raymond James financial advisors may only conduct business with residents of the state and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.  Raymond Jamesí Privacy Notice.