

Insurance Services
Insurance coverage is the foundation to a solid financial house. If a priority is to provide and protect your family, insurances are a must. They're simply a way to delegate your financial risk to an insurance company.
Most families cannot self-insure (have enough saved up to cover the risk yourself). Most families would be catastrophically impacted if they lost their house to a storm, or lost their physical ability to work and earn income, or lost their lives. While insurance can never replace exactly what is lost, it can relieve the financial burden. Explore the risk of disability or premature death and see if there's an insurance that's right for you.
Risk of loss of function for the income earners
Disability Insurance (short term or long term) is meant to provide income for you or your family in the event that you cannot physically or mentally work. When you have a spouse and/or children dependent on your ability to earn income, this is a must.
Risk of loss of function for the elderly
During retirement, the loss of function wouldn't result in a loss of income. Unfortunately, it may result in the need for Extended Healthcare or Long-Term Care. This may include in home care or a skilled nursing facility. This has been an increasingly catastrophic risk for hard working middle class families.
Risk of loss of life
Life Insurance can be used to delegate the financial risk and provide for a family in the most unfortunate event. There are many different types of policies. Some are extremely inexpensive but also inefficient. Others are a bit pricier, but very useful. The solution is always a custom approach. Some common approaches are noted below:
Term Insurance - basic use it or lose it coverage, premium stays the same, death benefit stays the same, and the term of the policy is set for a specific amount of time
Term with Return of Premium - the premium stays the same and coverage is for a set term, but at the end of the term, if the policy is not used (meaning you live), then all premiums are paid back to you
Permanent Insurance for Tax Free Retirement Income - using a policy that builds cash value can offer the opportunity to take loans (not a taxable event) from the policy throughout retirement. Then upon death, any net proceeds are still tax free to the beneficiary.
Permanent Insurance for Estate Maximization - typically used when someone has a taxable asset that isn't needed and would like to pass the value on while minimizing the amount of taxes as much as possible
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