When is the last time you reviewed your insurance?

Our insurance assessment generally begins during the estate planning process but is broken down further, due to the amount of options that are available to you. Generally our assessment process is as follows:


We will take into account all of your assets, income sources, debts, dependents, desired beneficiaries, goals, and current insurance policies you may hold. 


Then we'll put together a plan that outlines the insurances that may be appropriate and why. 


This might require canceling, replacing, and/or acquiring new insurance. 





There will always be a necessity to protect you, the people, and the causes you care about should something negative befall you. This is why it's critical to us that you have appropriate coverage that is appropriately priced.

Different types of insurances that can be available to you include...

Term Insurance

Term insurance is inexpensive and the premiums are fixed for the term. It has a definitive death benefit that will last for the length of the term. It has no cash value.

Whole Life Insurance

Whole life insurance is considered permanent insurance. The premiums and death benefit are fixed. While the premiums are generally more expensive than term insurance, there is a cash value associated with whole life that can be accessed and is passed on tax-free.

Universal Life Insurance

Universal life is permanent insurance. Premiums are able to be changed at your direction. If premiums are altered, the cash value and death benefit will also change.

Variable Life Insurance

Variable life is permanent life insurance. The cash account is invested. The values can then increase or decrease depending on the performance.

Disability Insurance

If you become disabled and cannot work, this type of insurance will help replace your income. It is often overlooked, but is very important, especially if you are a high earner.

Umbrella Insurance

Umbrella insurance is a unique way to protect yourself under some circumstances that other traditional policies won't cover. It is common to have one of these policies if you own multiple properties or are exposed to additional risks.

Long-Term Care

Long term care insurance will help with costs and give you access to professionals that perform caretaking tasks, instead of leaving that to your loved ones. These policies also have hybrid options that will allow you to blend the benefits of both life insurance and traditional long term care.

Business Owner Insurances

Business owners have additional needs that should be addressed to help protect them from the death or disability of themselves, other partners, and/or their key employees.