Your relationship with our firm begins with a comprehensive, personalized financial analysis including a determination of your life, disability and long-term care insurance needs based on your risk management goals and objectives. We will review the propriety of your current insurance coverage to determine if you need additional protection as well as the right type of insurance to best fit your situation.
Protecting Your Family
If something were to happen to you, would your loved ones be protected? Would your spouse be able to make the mortgage payments, pay for the children's education and afford the expenses of daily living?
Supplementing Other Plans
Should the need for the death benefit decrease, cash value build up in a life insurance policy can be a source for emergency fund needs or supplementing retirement funds. Death benefits could also be accessed before death to meet long-term care expense needs.
Enhancing Your Legacy
Life insurance generally passes free from income tax to your beneficiaries, when properly structured it can help you efficiently transfer wealth to the next generations and/or charities.
As a business owner, life insurance can help meet the following needs:
Preserving Business Value
Insuring yourself, your partners and key employees can be a highly effective tool to help protect the value of the business you have built.
A buy-sell agreement for your business properly funded with life insurance can help insure your family would receive the fair-market value for your share of the business.
Enhancing Executive Benefits
Life insurance can be integrated into executive benefits or a retirement program for you and your employees, further enhancing your attractiveness as a corporate employer.