We can help make protecting today simple, effective, and easy with a suite of risk management solutions designed for any budget.
If you're like most people, you want to protect what's important to you.
and if you're like most people, you probably think insurance is often oversold or sold incorrectly to anyone who will buy it. Before going any further, remember that paying for an insurance product is a way to transfer financial risk. The truth is that insuring against risks is only one way to transfer it.
There are four main ways to transfer your financial risks:
AVOID
Avoidance is a method for mitigating risk by not participating in activities that may incur injury, sickness, or death. Smoking cigarettes is an example of one such activity because avoiding it may lessen both health and financial risks.
RETAIN
Retention is the acknowledgment and acceptance of a risk as a given. Usually, this accepted risk is a cost to help offset larger risks down the road, such as opting to select a lower premium health insurance plan that carries a higher deductible rate.
SHARE
Sharing risk is often implemented through employer-based benefits that allow the company to pay a portion of insurance premiums with the employee. In essence, this shares the risk with the company and all employees participating in the insurance benefits.
TRANSFER
The use of life and health insurance is an example of transferring risk because the financial risks associated with health care or unexpected death are transferred from the individual to the insurer. Insurance companies assume the financial risk in exchange for a fee known as a premium and a documented contract between the insurer and individual.
We Focus On Transferring Risks
Transferring risk is often the "middle ground" between other risk transfer methods. It allows clients to benefit from more holistic protection measures in exchange for a small fraction of their annual income.
Term Life Insurance
We use term insurance products to cover specific financial risks pre-retirement.
Permanent Life Insurance
We use permanent insurance products to help mitigate taxes, provide income, and support legacy goals.
Disability Income Protection
We use disability insurance products to cover employer gaps & protect businesses.
Long-Term Care Insurance
We use long-term care insurance products to reduce financial burdens on family.
To Help You Live More Confidently
By ensuring proper protection first, we can help work towards financial milestones and goals without the concern of "what if" something happens. It can help provide clarity and confidence in your life.
Help Reduce Financial Worry
Appropriate protection can help reduce anxious feelings around loss of life.
Help Build Financial Confidence
It can help serve as the foundation for building your financial confidence.
Help Protect Wealth Potential
It can help ensure your savings & investment strategy stays on track.
Help Prevent Financial Shock
It can help prevent financial shock to your family if you're hurt or die unexpectedly.
So You Can Keep Focus On What Matters Most
There are already enough things to manage and deal with each and every day. Being properly protected can help you stay focused on the things that matter most without the distractions of wondering "What If".
Excelling In Your Career
Having proper protection can help you stay focused on being the best in your field.
Building Your Business
It can help you feel confident your business & family will be okay if something happens.
Creating A Life For Your Family
It can help you avoid thinking about 'What Ifs' and focus on family quality time.
Passing On A Meaningful Legacy
It can help you live on your terms while also ensuring wealth passes on as intended.
High-Net Worth Solutions
Protecting today, building financial confidence, and securing wealth building potential are just a few of the things risk management products like life & disability insurance can do.
For some people, it can become even more meaningful.
Tax-Efficient Income Distributions
Our solutions can help you optimize the tax efficiency of income distributions.
Estate-Tax Mitigation
We help you navigate the complex, ever-changing estate & legacy landscape.