Insurance Protection

WHAT INSURANCE DO WE OFFER?

As much as we prefer not to think about it, unexpected events often happen.  Incorporating an adequate amount of insurance coverage into your personal financial plan is commonsense risk management.  We offer a robust selection of non-proprietary insurance products to protect yourself, your family, and your assets:

• Life Insurance:
  • Level Term (up to 30 years), Whole Life, Universal Life, Variable Universal Life
     
• Disability Insurance:
  • Short-Term, Long-Term
     
• Long-Term Care Insurance
  • Individual, Joint
     

WHY CONSIDER COVERAGE?

Depending upon your goals, insurance protection can serve multiple beneficial purposes.  For younger, pre-retiree clients, disability policies are often used to protect their income during injury or illness.  The same client may also consider life insurance as a way to provide for their family in the event of their premature passing.  In both cases, these policies can generate an ongoing income stream or a capital sum that may preserve the integrity of their financial plan (guarantees are based on the claims paying ability of the issuing company).

For retirees, disability coverage is less of a concern, but life insurance may still be necessary to provide for their spouse in the event they pass away.  They may also leverage life insurance as a way to leave a legacy for their family or a charity, with the added benefit of reducing their taxable estate.

Finally, retirees often incorporate long-term care policies into their financial plan to protect their assets from the increasing costs of skilled medical care.  This type of coverage offers flexible options for care at home, within an assisted-living community, or in a nursing care facility.
 

HOW COMPETITIVE ARE OUR CARRIERS?

As an independent wealth management firm, we have the ability to source insurance products from a variety of globally recognized providers.  We constantly screen each carrier to ensure that they meet our demanding requirements, specifically focusing on their credit rating, service consistency, and financial solvency.  Given the commitment that insurance entails, and the importance that it be there when you need it, we only offer policies from established carriers such as Prudential, Metlife, John Hancock, etc.

In terms of cost, every type of coverage is different and every policy is unique.  Despite that, we consistently strive to offer coverage at competitive rates, aiming to reduce our clients' premiums and/or extend their existing protection.  In every situation, clients have the opportunity to consider the coverage that's right for them, without any pressure or obligation.