Insurance Planning

Family, children and insurance

Even though you may think you’ve covered all the bases, life can throw you a curveball when you least expect it. We can help you hedge your bets through prudent Insurance Planning.

Why Insurance Planning Is Important

Without proper Investment Planning, Retirement Planning, or Estate Planning, you’ll likely not invest successfully, retire comfortably, or leave a meaningful legacy for your beneficiaries. And without a well-thought-out Insurance Plan, your financial plan could be exposed to unforeseen risks.

What We Can Do for You

Peace of Mind is the essence of Insurance Planning:

  • Comprehensive Review: We’ll review existing plans,  to ensure they continue to fit your needs. If you don’t have an insurance plan, we’re here to advise and guide you and your family.
  • Death-event security: If you have people that depend upon you like your spouse/partner, minor children,and aged parents, we’ll advise on insurance that will best meet your needs.
  • Retirement income through annuities: Guaranteed income is important to many of our clients.  Annuities are one way to accomplish this.  Annuities vary greatly in terms of pay-out options and conditions. Our experts will help make sense of it all.
  • Critical illness protection: Many of our clients are concerned that their family will need to cover expenses if are critically ill.  We can help you determine the need to insure against a critical illness..
  • Disability and long-term care protection: Accidents, at home, at work, or during your commute, could leave you disabled and financially stressed. We’ll help you insure against such unexpected events.
  • Funding children’s education expense: Paying just a few hundred dollars a month in premiums now, could result in a windfall payment by the time your child is college age.
  • Insuring estate and succession plans: When structured correctly, insurance can be a great estate planning tool when it comes to shielding your beneficiaries from paying taxes or fees on their inheritance. Partners in business may also use insurance policies to aid in succession planning such as Key Person policies or buy out policies. We’ll help you structure an insurance plan that makes sense.