Sandra I. Shapiro
		CERTIFICATIONS
			NJ Life & Health Licenses
			Ocean County Association. of Life Underwriters - Member
			Cherry Quay Community Association - Past Trustee

Sandra Shapiro has specialized in consulting on Long Term Care insurance products, and how implementing the proper coverage can allow retirement oriented clients to enjoy their "golden years" without worrying about the potentially devastating costs of a catastrophic illness. Sandra often works with the personal financial plans prepared by Shapiro Financial Security Group, Inc., Inc., to assist their clients with implementing the recommended insurance protection required to provide flexibility and to serve as the foundation for achieving their other financial objectives.

Sandra Shapiro is an independent insurance broker, providing insurance advice and products to business and individual clients, regarding life & disability insurance, medical insurance, long term care, and annuities.  Commission revenue is earned for finding products, offered by quality rated insurance companies, which can satisfy the "risk management" needs of her clients. As an insurance broker, Sandra represents the client in their search for appropriate and cost effective products, by researching and providing comparative analysis of the definitions of coverage and pricing terms for multiple companies. The results of the analysis will be compared to the financial objectives and insurance needs of the client, with those products meeting the appropriate selection criteria explained in detail to the client.