Insurance PlanningThere are three inevitable contingencies in life we all face:

  1. Premature Death- If you passed away before you expect, will your family be financially able to remain in the world you’ve provided for them?
  2. Illness or disability- If you are the primary earner in your household, and fall ill or become disabled and unable to earn, what is your income replacement plan?
  3. Longevity- Should you live as long or longer than you expect, what will run out first?  Your life or your money?

Managing these risks effectively requires an insurance portfolio that provides the appropriate level of protection today, while planning for the changes of tomorrow.

Please, join us for an evaluation of your insurance portfolio.




Securities and investment advisory services offered solely by
Equity Services, Inc., Member FINRA/SIPC, 675 Third Avenue, 9th Floor New York, NY 10017, 212-986-0400.
Check the background of this firm on FINRA’s BrokerCheck.
Legatus Group, LLC and all other persons and entities are independent of Equity Services, Inc. unless noted. Registered Representatives of Equity Services, Inc. do not offer tax or legal advice. For advice concerning your own situation, please consult with your appropriate professional advisor.

Joseph Yagar is a Registered Representative and Investment Adviser Representative of Equity Services, Inc. and offers securities in the following states: FL,NJ,NY. Joseph Yagar is insurance licensed in the following states: FL,NJ,NY. Check the background of this investment professional on FINRA’s BrokerCheck.