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Providing Services and Products to Preserve Your Wealth
 

Do you have a family who depends on you? Will their financial security suffer without the income or care you provide?

Life Insurance
 
The appropriate life insurance policy can help preserve the assets that you spent years accumulating. Life insurance can be used in many different ways, for different purposes. It is not only for your beneficiaries, but can also be used as an investment vehicle during your lifetime. It can be structured to provide tax-deferred growth and an income tax-free death benefit.

Life insurance, put simply, is money paid in the future. You pay premiums now to provide a much larger sum of money (death benefit). This money can be used to protect your future earnings, so that your family can maintain their lifestyle in the event of death. Learn more about life insurance.

Insurance Review
 
If you already own life insurance, you should question whether or not you are getting the most out of your life insurance policy. Does your current life insurance policy satisfy your current needs?

Whether or not you already own life insurance, you should consider life insurance an important part of your investment portfolio. It's a good idea to do a review. Learn more about the importance of an insurance review.


Variable Universal Life Insurance
 
Variable Universal Life Insurance is a unique financial tool because it provides investment options and choices during your lifetime and an income tax-free death benefit for your family when you are gone.

Variable Universal Life insurance allows the policyholder to choose the type of investment strategy to manage the cash value in the insurance policy. Variable Universal Life puts you in control. Learn more about Variable Universal Life insurance.


Long-term Care
 
Long-term care insurance is an important financial tool to help you protect your assets and preserve your independence. The cost of long-term care could easily deplete your entire savings. It is a risk you can't afford to ignore. Without long-term care insurance, your financial plans may not be complete.

In the event of a long term illness, long-term care insurance covers some or all of the expenses you might incur, including assisted living, at-home care, adult day care, therapy services, paid companions and even transportation. Learn more about Long-term Care Insurance.

Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliate(s).

The information and services provided on the website are intended for persons in the U.S. only.

© 2011 Morgan Stanley Smith Barney LLC. Member SIPC.

For more information, please contact a Financial Advisor.
 

 

 
 
 
 

 
 
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The information and services provided on the website are intended for persons in the U.S. only. Non-U.S. persons are directed to our Global Offices page.
 
© 2012 Morgan Stanley Smith Barney LLC, member SIPC. All rights reserved.