At The Miliare Group, financial professional Nathan Novosel-Lingat offers personalized insurance protection services to individuals and families in Honolulu, HI, all 50 states and Canada. Life is unpredictable, but you can take control by planning ahead with the right coverage. Whether you're protecting your income, loved ones, or long-term health, insurance can provide peace of mind and financial security when you need it most. Call (507) 210-1576 today to schedule a consultation and start building your protection plan.
Life Insurance That Supports Your Family’s Future
Life insurance is one of the most essential tools in financial planning. It’s not just about protecting your income—it’s about creating a financial safety net for your family if the unexpected happens. Nathan Novosel-Lingat helps clients understand the different types of life insurance available and how each one fits into their bigger financial picture.
Whether you’re considering term life insurance for affordable, temporary coverage or whole life or universal life insurance for long-term financial benefits, Nathan takes the time to explain how each option works. Life insurance policies can help:
- Provide immediate funds to your loved ones.
- Cover funeral and final expenses
- Pay off debts like mortgages or student loans.
- Fund long-term goals such as college or retirement for surviving dependents.
Nathan believes that life insurance should evolve with you. As your responsibilities change—starting a family, buying a home, growing a business—he’ll help you update your coverage accordingly.
Disability Insurance That Protects Your Income
Your income is one of your most valuable financial resources. But what happens if an accident or illness prevents you from working for weeks, months, or longer? That’s where disability insurance becomes a crucial part of your overall protection strategy.
Nathan helps clients choose disability insurance plans that:
- Replace a portion of lost income during periods of disability
- Help you continue paying your bills and living expenses
- Prevent you from having to tap into savings or retirement accounts
- Offer flexibility with short-term and long-term coverage options.
Disability coverage allows you to stay financially secure even if life throws you a health-related curveball. Nathan will assess your risks, discuss your current employer benefits, and help you decide whether additional coverage is necessary to close any gaps.
Long-Term Care Insurance for Life’s Later Stages
Medical costs related to aging and chronic conditions can be substantial. Long-term care insurance is designed to protect your assets from being consumed by care expenses that aren’t typically covered by health insurance or Medicare.
Long-term care coverage may help pay for:
- In-home assistance with daily activities
- Assisted living communities or nursing home stays
- Rehabilitation and specialized care facilities
Nathan works with you to determine whether long-term care insurance fits your goals and what level of coverage makes sense for your lifestyle and financial situation. With proper planning, you can maintain independence and choice in how and where you receive care.
Building a Customized Insurance Strategy
Insurance should never feel like a guess. Nathan Novosel-Lingat starts every relationship with a financial needs analysis—a comprehensive evaluation of your financial situation, goals, and potential risks. From there, he builds a personalized strategy that integrates insurance into your wider financial plan.
Your insurance strategy might include:
- Core protection for income and dependents
- Supplemental coverage based on occupation, lifestyle, or family dynamics
- Periodic reviews to ensure your plan evolves with your life changes
Nathan believes that financial protection isn't just about having policies in place—it's about making sure those policies align with your future plans. Insurance should support your dreams, not limit them.
Ongoing Support and Clarity at Every Step
When you work with Nathan, you get more than a one-time consultation. You gain a financial professional who is committed to helping you adjust, refine, and enhance your coverage as your life unfolds. Whether you're experiencing a job change, adding a new family member, or preparing for retirement, Nathan is here to guide you.
He provides:
- Clear, jargon-free explanations of policy options
- Flexible scheduling for policy reviews and updates
- Long-term partnerships built on trust and transparency
You don’t need to understand everything about insurance—just enough to feel confident. Nathan ensures you’re never in the dark when it comes to protecting what matters most.
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