Insurance

Beyond Policies

When it comes to your life-insurance needs, you want to avoid a “set it and forget it” attitude. In a word, hope for ideal coverage in a crisis is not a strategy.

Insurance can be complicated. We’ve spent decades helping clients understand the fine print and technical aspects so they can find ideal custom coverage. Like all things financial, securing the right protection starts with realistic parameters, lifestyle variables, and defined goals.

We offer alternative products and strategies other advisors often don’t, such as premium financing through a third-party lender, and private-placement life insurance. We’ll work closely with you from the start, gathering information, and learning.

1. We’ll evaluate current policies from a cost-and-coverage perspective. Is the policy performing as designed?
2. Is your policy set up to be efficient for estate and income taxes?
3. Could you be paying less for what you have? Should you update coverage to address changing needs?
4. We’ll review the best coverage for your unique financial life, close gaps, and address ways you might be vulnerable.
5. Lastly, we will service your policy for the long term, as the life insurance purchase could be a 30-year, 40-year, or longer financial commitment.