Protect What Matters Most. Your Family, Your Future, Your Peace of Mind.

At Northland Securities, we help individuals and families safeguard their financial future through customized life and long-term care insurance solutions. Whether you're planning for loved ones, protecting your estate, or preparing for the possibility of extended care needs, our experienced professionals are here to guide you through every step.

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Life Insurance Solutions

Life insurance provides financial protection for your loved ones in the event of your passing. It ensures that your family, business, or estate can continue without financial disruption. Northland offers access to both term and permanent life insurance policies, as well as hybrid options with long-term care riders.

Term Life Insurance

Offers coverage for a specific period. It’s cost-effective and ideal for temporary needs like mortgage protection or income replacement.

Permanent Life Insurance

Provides lifelong coverage and may include a cash value component that can be borrowed against or withdrawn.

Hybrid Policies & Riders

Provides lifelong coverage and may include a cash value component that can be borrowed against or withdrawn.

Benefits of Life Insurance

  • Tax-free death benefits for beneficiaries
  • Financial support for mortgages, education, and business continuity
  • Estate planning and wealth transfer strategies
  • Potential cash value accumulation in permanent policies

Who Should Consider Life Insurance

  • Individuals with dependents or financial obligations
  • Business owners planning succession or key person coverage
  • High-net-worth individuals facing estate tax exposure

Life Insurance Policy Review Services

Your life insurance needs evolve over time. Northland offers complimentary policy reviews to ensure your coverage aligns with your current financial goals and family structure. We assess:

  • Beneficiary designations
  • Policy ownership and estate tax implications
  • Cash value and death benefit performance
  • Cost efficiency and administrative expenses
  • Coordination with broader financial planning

Long-Term Care Insurance Solutions

Long-term care (LTC) insurance plays a critical role in protecting your financial future. It helps cover the cost of care when you're unable to perform basic daily activities due to illness, injury, or aging—whether that care is provided at home, in assisted living, or in a nursing facility. While programs like Medicare and Medicaid offer only limited coverage, the actual cost of long-term care can be significant. Without a plan in place, the financial responsibility often falls on loved ones. LTC insurance helps reduce that burden, preserve your assets, and provide flexibility in how and where you receive care—giving you and your family peace of mind.

Benefits of Long-Term Care Insurance

  • Coverage for in-home care, assisted living, and nursing facilities
  • Protection against rising healthcare costs
  • Flexibility in care options and settings
  • Reduced financial strain on loved ones

Who Should Consider LTC Insurance?

  • Individuals without sufficient assets to self-insure
  • Families with a history of chronic illness or caregiving needs
  • High-net-worth individuals seeking to protect their estate

Important Considerations

Insurance products are not appropriate for everyone. Before purchasing life insurance or long-term care insurance, you should consider:

  • Policy costs, including premiums and the potential for future premium increases
  • Coverage limitations, exclusions, and waiting or elimination periods
  • The financial strength and claims-paying ability of the issuing insurance company
  • Whether coverage amounts and policy features align with your long-term goals and cash-flow needs
  • For permanent life insurance, fees and charges that may affect cash value growth
  • For long-term care insurance, benefit triggers, daily or monthly benefit limits, and maximum benefit periods

Insurance decisions should be evaluated as part of a broader financial plan, taking into account your age, health, family circumstances, assets, and overall risk management strategy. A financial professional can help determine whether these solutions are appropriate for your individual needs.

Important Disclosures

Annuity and Insurance products are guaranteed, underwritten, and issued exclusively by, the respective insurance companies. Penalties may apply for early withdrawal, and a 10% IRS penalty may apply for withdrawals prior to age 59½. Northland Representatives do not provide tax or legal advice: Consult your tax or legal advisor for specific information.