Lawrence M Poger

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Insurance, Annuities & Retirement Insurance Plans, Business & Commercial Insurance

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64 Years

in Business

(314) 721-1999Call Visit WebsiteVisit Website Map & DirectionsDirections8000 Bonhomme AveSaint Louis, MO 63105 Write a ReviewWrite Review

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AKA

Lawrence M Poger CLU

Poger, Lawrence M, AGT

Poger Lawrence M

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http://www.pogerandoconnor.com

https://www.pogerandoconnor.com/contact.htm

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Insurance, Annuities & Retirement Insurance Plans, Business & Commercial Insurance, Health Insurance, Life Insurance, Long Term Care Insurance

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Phone: (314) 721-1999

Address: 8000 Bonhomme Ave, Saint Louis, MO 63105

Website: http://www.pogerandoconnor.com

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Lawrence M Poger

Health and Life

Life Insurance
A: Yes. The “tax deductible” cost of charitable life insurance funds the charities’ endowment program providing continuity and stability.
Health Insurance
Long Term Care
A: Based upon our study (and opinion) the majority of Long Term Care claims occur between the approximate ages of 84-92. The average length of stay for long term care claims is approximately 2.8 years. The majority of the population, probably close to 75%, will be deceased by mid-80s. Of the remaining approximately 25%, roughly 1/3 may need long term care coverage, based on all of the statistics we have read over the years. This means in reality that out of 100 people approximately 93% will not require long-term care and approximately 8% may need coverage. The question then becomes does one purchase the product? Question: would one be better off purchasing a Class B share of Berkshire Hathaway over the years and build his own reserve? There are two situations where we feel the purchase of long term care is very appropriate: one is where there has been a high incidence of disabling in a family at early ages. The other is if there is a little voice in one’s head continually telling you this is something you must do. Anything short of this, in our opinion, is questionable whether the purchase is justified.

Business Insurance
At Poger O’Connor and Associates, we focus on the needs of our clients. Our mission is to provide you with the best insurance coverage, business insurance, and employee benefits available through the finest companies in the industry offering the most competitive rates

Annuities
'Tony O' Connor is one of the most respected financial consultants in St. Louis,Poger said. 'He brings us more than 25 years experience in the industry, with particular experience in group health coverage, estate tax liquidity plans, key person' business insurance, charitable endowment funding, executive incentive-bonus plans, and tax-deferred annuities. He also brings us his reputation as a completely straight shooter who always places his clients' needs first.

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