Insurance Planning

As we often say, all insurance strategies serve a purpose but not all strategies are right for you.  We recognize that insurance can be misinterpreted as an investment resulting in costly and unnecessary expenses.  We adhere to the philosophy that insurance should be used to protect and prepare for untimely deaths or disabilities, but not for investment purposes. 

Through a well-established risk transfer process, we can help minimize the financial burden your family may bear.  This process may include life insurance, disability insurance, and long-term care insurance.

In addition to protecting against early passing, we recognize life insurance can be an estate planning tool.  These strategies are dependent upon the client goals and estate tax concerns and are often paired with trusts.  We bring these strategies to the forefront and walk through the pros and cons of each strategy that should be considered.  In coordination with your estate planning attorney, we’ll help implement these strategies and align your larger plan around them.

Some questions you should consider:

  • Who or what is most important to me?
  • How am I protecting those I love should something happen to me?
  • What is the best way to ensure my family doesn’t bear unnecessary financial hardship should something happen to me?
  • What is the purpose of insurance?
  • Will I ever be self-insured?
  • How will estate taxes impact my family, and am I prepared for these?
  • Are there better options than those I’m currently doing?
  • How much should I be spending on insurance?
  • Is my insurance through work enough?
  • Who do I trust to help me with these decisions?

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