PHIFER FINANCIAL SERVICES
Since 1993, Phifer Financial Services has been helping "Educate the Educator" through understanding the areas of income protection, life insurance, and savings through pension planning. We take great pride in the experience our team has with the education marketplace. Many of our representatives are current or retired educators, some with over 30 years in teaching or administration. These individuals, combined with our experienced financial services representatives, provide a depth and width of knowledge to assist our clients.
Important Questions to Ask Yourself:
Most Board of Education employees are NOT eligible for New Jersey state disability insurance. When your sick days are used and you have no disability insurance, you may have NO income!
As a Board of Education employee, if you get sick or injured and have no income, how will you pay your bills? Would you be able to pay your health insurance premiums? At Phifer Financial Services, we offer disability plans that will protect your salary in case of sickness, injury, accident, and normal pregnancy.
Most financial professionals recommend 8-10x your annual income in life insurance. Educators have 3.5x their annual income in life insurance from the TPAF as a benefit. Phifer Financial Services will help you determine how much is enough to protect your family.
We provide standalone long term care policies or long term care riders on your life insurance policy. A long term care rider on your life insurance policy can help minimize unexpected financial strain by accessing your life insurance benefit while living.