Broker Check

Annual Insurance Review

September 01, 2023

Our independence allows us to access a wide range of insurance products through many underwriters in accordance with our ‘client first’ philosophy.  These range from traditional life, disability, and long-term care insurance to more advanced designs required in business and estate planning.

Our process helps identify areas of risk and determine if the need is currently covered, additional coverage is needed, or maybe there is too much coverage.

We believe there are three reasons to own life insurance:

  1. Create an Estate: you need liquid assets to support your family and or pay off debt if something happens to you.
  2. Pay for Estate tax: your wealth has accumulated enough for an estate tax liability, and not enough liquid assets to cover the liability and support your surviving family.
  3. Investment: investing in insurance policies does grow tax-deferred, however the costs in an insurance policy are typically much higher than owning them outright.

As part of our consulting, we offer Property & Casualty policy reviews, working with an outside agency, who can shop across a variety of carriers, with no sales pressure

Call us today.  We are ready to help you review your insurance plans.