INSURANCE & RISK MANAGEMENT

Life insurance protects your spouse, children, and family from potentially devastating financial losses that could result if something happened to you. It provides financial security, helps to pay off debts, helps to pay living expenses, and helps to pay any medical or final expenses for you and your family. 

A permanent life policy can build cash value which can be used for future spending, goals, and objectives in addition to a death benefit. We have a general lines agency as part of our firm, which gives us unbiased access to many carriers, products, and strategies that provide what we believe are innovation solutions to our client's issues. 

LIFE INSURANCE

Life insurance can be broken down into Term Insurance and Permanent Insurance. The selection of either depends on your situation.

Term Insurance is pure insurance that is typically used to replace lost income due to an early death. This is the least expensive life insurance to buy. 

Permanent insurance comes in many types such as Whole Life, Universal Life, Variable life, or Indexed Universal Life.
We typically recommend Permanent insurance for clients that will lose Social Security Income or Pension Income with the loss of a spouse. 

Permanent insurance structured correctly can also provide a tax free income supplement for retirement for high income earners. 

LIFE INSURANCE

Life insurance can be broken down into Term Insurance and Permanent Insurance. The selection of either depends on your situation.

Term Insurance is pure insurance that is typically used to replace lost income due to an early death. This is the least expensive life insurance to buy. 

Permanent insurance comes in many types such as Whole Life, Universal Life, Variable life, or Indexed Universal Life.
We typically recommend Permanent insurance for clients that will lose Social Security Income or Pension Income with the loss of a spouse. 



Permanent insurance structured correctly can also provide a tax free income supplement for retirement for high income earners. 

LONG-TERM CARE INSURANCE

Long Term Care insurance covers the cost of home care or cares in a care facility. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

LONG-TERM CARE INSURANCE

Long Term Care insurance covers the cost of home care or cares in a care facility. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

LIFE INSURANCE

Life insurance can be broken down into Term Insurance and Permanent Insurance. The selection of either depends on your situation.

Term Insurance is pure insurance that is typically used to replace lost income due to an early death. This is the least expensive life insurance to buy. 

Permanent insurance comes in many types such as Whole Life, Universal Life, Variable life, or Indexed Universal Life.
We typically recommend Permanent insurance for clients that will lose Social Security Income or Pension Income with the loss of a spouse. 

Permanent insurance structured correctly can also provide a tax free income supplement for retirement for high income earners. 

DISABILITY INSURANCE

Disability Insurance is designed to replace income lost due to a short or long-term disability. Disabilities can come from accidents or illnesses. Most privately funded Disability Insurance is tax free and replaces between 60-66% of Pre-Tax Income.

LONG-TERM CARE INSURANCE

Long Term Care insurance covers the cost of home care or cares in a care facility. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.