Insurance  
To bring you protection you can count on now and in the future, Morgan Stanley Smith Barney works closely with insurers like Hartford Life, Manulife, Lincoln, Pacific Life, ING, Nationwide, John Hancock and First Penn-Pacific.
 
We offer a range of insurance products addressing the broad spectrum of today's concerns including:
 
Long-term Care Insurance: Usually purchased to protect and preserve assets for your family, long-term care insurance pays for the costs associated with nursing home care, assisted living facilities and even home health care that Medicare does not cover. Long-term care insurance should be obtained while you are still healthy and able to qualify for coverage.
Disability Income Insurance: This pays you a monthly benefit to replace a portion of your income if you become injured or ill and are unable to work. It is flexible because it allows you to choose how long you will wait after becoming disabled for the payments to start and how long those payments will last.
 
We also offer single premium variable life insurance issued by Allstate Life Insurance Company - Morgan Stanley Variable Life Insurance.
 
NOTE: Various fees and expenses, including contingent deferred sales charges, mortality and expense risk charges, administrative fees and annual contract fees, are associated with this product. The product prospectus contains a complete explanation of these charges.


Our insurance assessments are not financial planning (unless they are specifically called financial planning). They do not create an investment advisory or a fiduciary relationship (including under ERISA) between you and Morgan Stanley Smith Barney. Morgan Stanley Smith Barney will prepare a financial plan at your specific request through Morgan Stanley Financial OutlookSM.