Protecting your income means protecting your future. Are you covered?
Life Insurance
Chiodini Services provides various life insurance offerings to best fit your needs and circumstances: Term, Permanent, Variable, and LTC with Life (Hybrid or Combo Plans).
Term
Best for people needing temporary, budget-friendly protection (e.g., parents with young kids, homeowners with a mortgage).
Permanent
Those looking for long-term protection, legacy planning, or tax-advantaged savings.
Variable
A great option for investors who want insurance plans plus market growth, and are comfortable with investment risk.
LTC with Life (Combo)
Best for clients concerned about long-term care costs but also who want to leave a legacy.
Disability Insurance
What is your plan if your income stops before you do?
Did You Know? You’re more likely to get sick or become disabled than to die early- yet few people plan for it. We’re here to change that.
Short-Term Disability
Weekly benefit that can pay out to 90 days.
Long-Term Disability
Monthly benefit that can pay out to retirement age.
Is disability insurance right for you?→
You should consider disability coverage if:
You rely on your income to pay for daily living or debt
You’re self-employed or have limited employer benefits
You want to avoid draining retirement savings during recovery
You care about long-term financial stability, even in uncertain times
Long-Term Care Insurance
Traditional Long-term care insurance (LTC)
Tradional LTC insurance is like auto or home insurance - you pay a premium, and if you need care (in-home, assisted living, or nursing home), the policy pays a daily or monthly benefit.
Ask us about life and long-term care combo policies!
Pros:
Dedicated coverage for long-term care needs.
Leverage: A small premium can cover a large benefit amount.
Helps protect other assets from being spent down.
CONS
Use-it-or-lose-it: If you never need care, you may never benefit.
Premiums can increase overtime.
Underwriting can be strict - harder to qualify as you age or if health declines.
Investing for Long-term Care needs
Investing for Long-Term Care needs involves setting aside and growing a portion of your investment portfolio to self-fund future care expenses.
PROS
Full control over assets - no restrictions on how funds are used.
No underwriting or premiums.
If care is ever needed, money stays in your estate.
CONS
No leverage - you must save significantly more to match insurance benefits.
Market risk - value of funds may fluctuate.
Requires discipline and clear earmarking of funds for LTC.