How Life Insurance Can Help Busy Accountants Plan for the Future

by Sandy Niespodzianski, vice president, USI Affinity | November 26, 2019

As much as accountants rely upon the numbers for next steps, even the best calculated plans can be derailed by the unpredictable. With this risk in mind, it’s important to educate staff and their families about being prepared for life’s unexpected events.

What about the last time you bought a car? Did you spend time thinking about the kind of vehicle you needed and how much you could afford? The same kind of planning needs to take place for life insurance needs. And it’s always best to have these discussions with staff before an incident occurs rather than rushing around afterwards.

Here are some types of insurance that can help:

  • Life Insurance — helps to protect those closest to you from facing insurmountable debt caused by final expenses or other financial hardships without someone’s income.
  • Disability Income Insurance — helps meet financial obligations, such as mortgage payments and regular living expenses.
  • Long-Term Care Insurance — helps to plan ahead financially for quality long-term care as someone ages.
  • Pet Insurance — helps to protect furry family members and owners’ wallets when it comes to the cost of veterinary care.
  • Business Overhead Expense Insurance — helps eligible business owners to keep their businesses running should they not be able to work due to a disability.
  • Accidental Death and Dismemberment Insurance — offers an affordable option to help protect people and their families from financial hardship after a serious accident (either an add on to an existing life insurance policy or an option for those who have been denied life insurance).

If you have any questions about these product solutions, feel free to contact me. USI Affinity is an NJCPA member benefits provider.

Sandy  Niespodzianski

Sandy Niespodzianski

Sandy Niespodzianski is a vice president at USI Affinity, an NJCPA member benefit provider. She can be reached at Learn more about programs for members at

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