Financial Planning Information

Live Well – Protect Your Income

What would your family do without you? If an accident or illness keeps you from working, would you still get paid?
We will show you how to continue to have income coming into your household during a pregnancy or if you are too sick or too hurt to work.

Live Well – Day to Day living

Do you have a high deductible and co-insurance on your health plan? What happens if you need to see a doctor quickly? Let our benefit planners develop a strategy that meets your financial needs but still provides protection for the life, health and overall well being for those you love.

Tele-Health – Access to Doctors & Nurses for assistance 24/7 every day of the year. Includes discounts on medications, lab work, medical equipment and more.

Retire Strong – New Retirement planning options

Do you have access to conventional retirement options such as a pension or 401k? Learn how to multiply your dollars on a guaranteed minimum basis, yet still have access to your savings for emergencies – without suffering penalties for early withdrawals and even create a supplemental tax-free income stream for retirement ages.


AFSSE can be your personal benefit provider. We will help you plan for continued income when the unexpected accident or illness strikes. We will help you retire stronger with retirement planning options. We will help you stay healthy and live well with affordable routine care.
Let us do the work for you. We have more than 50 years experience in the life and health insurance industry. Our success ranges from customized benefit portfolios for Fortune 500 companies, hospitals and medical facilities, trucking firms and the food service industry to personalized plans for individuals.

Next Steps…

Let AFSSE prepare a customized benefit strategy for you and your family or business. We have simplified underwriting options that are convenient to your schedule and your budget. Give us a call or drop us a line and let’s get together soon.
Call today 513-520-0939 or email

Disability Coverage
Disability Income Insurance Coverage, insures your ability to earn an income. In the event that you become too sick or too hurt to work, it will pay you an income to replace your lost wages. This benefit helps families stay afloat during difficult times by affording them the opportunity to continue paying for groceries, the mortgage, car loans, medical bills and insurance premiums, etc.

Life Insurance
Life Insurance is the cornerstone to every sound financial plan. It provides you the means to take care of your family, even after you are gone. Benefits can be used for final expenses, mortgages and debt left behind, to continue raising children as you had planned. Life Insurance allows you to fulfill the dreams you intended to fulfill, even if you are not here to see it.

Term Insurance – 5 years, 10 years, 20 years, 25 years, 30+ years
Term Insurance provides a set benefit period to cover you at a more affordable cost during your working years when your financial obligations are more critical. Mortgages are still being paid, children still need shoes and school fees paid, etc. The benefit period expires and the policy is completed as you enter a more financially fixed phase of life, such as retirement.

Fixed Life Insurance – GUL, UL, IUL, and more.
Cash Accumulation policies are a permanent option and the benefit may continue to the end of your life, even if you live beyond 125 years. The policies accumulate cash value and provide additional financial security for retirement, unexpected catastrophic expenses along the way or even to be used to subsidize new life adventures, such as buying a house or paying college tuition for kids or grandkids.

Final Expense – 50-75
Guarantee Issue life insurance coverage that provides a benefit to cover final expenses, such as funeral homes, burial fees, etc. The policies are fairly affordable and the benefit is smaller and assumable to the funeral directors, nursing homes, etc. These policies are meant to financially assist for funeral expense etc.

Accident Coverage
Accidents happen to even the most cautious person. Accident Insurance pays a fixed cash benefit for medical treatments associated with a covered accident. Recovering from an injury is tough enough, but out-of-pocket expenses for emergency room, ambulance, hospital stays can cause a financial crisis; all while regular monthly expenses continue. Benefits are paid regardless of any other insurance coverage and does not coordinate with other policies. Offset large coinsurance and high deductibles.

Long-Term Care Insurance
Long-Term Care Insurance is a policy that covers long term care services. When diagnosed with a chronic illness and receiving care with activities of daily living, having a policy gives you the choice to stay at home and receive care, go to a facility or even receive the proper care in a full skilled nursing home with a private room. This policy leaves you in control of where, how and from who you receive care.

Critical Illness/Cancer
Thanks to medical advancements, many now survive heart attacks, strokes, cancer and other serious illness. However, health care costs and the inability to work can cause financial stress while income decreases. Critical Illness coverage reduces the financial impact of a major illness by paying money directly to you, when diagnosed with a specified critical illness, paid in addition to health insurance benefits. Money can be used for Co-insurance/deductibles, experimental treatments, etc.

Save on general dentistry, x-rays, fillings, cleanings, root canals, crowns, orthodontia and periodontics. Over 92,500 dental practice locations are available in the provider network.

Save on eye exams, contact lenses and prescription eyewear – frames, lenses, tints, coatings and UV protection. Even savings on Lasik surgery!

There are so many benefit options available.  We know your personal situation is unique. You should have a customized benefit portfolio as unique as you are. We don’t want you to pay for things you do not need and we will do our best so you won’t leave a large financial gap that could devastate your finances.

Next Steps…

Start preparing your personalized benefit portfolio today. Contact 513-520-0939 or  We are waiting to help you get started!

The products discussed on this page are not discussed as part of your membership options. This information is provided to bring attention to your financial planning needs. As your income earning potential is important right now, your future plans and financial security is important for all the days of your life. Many of our members have expressed interest in more of these details and did not know where to go for a reliable, trust-worthy referral. It is our desire to assist you with the information that will help you succeed in your self-employed lifestyle.