Risk Management & Insurance Design

We feel that insurance is essential to any comprehensive financial plan. If tragic events like death, disability or critical illness strike, insurance can protect you, your family, or business from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house or retiring comfortably.

Life Insurance, Disability Insurance, Long Term Care Insurance, and  Private Captive Insurance are essential to any comprehensive financial plan. If tragic events like death, disability or critical illness strike, insurance can protect you, your family, or your business from undue hardship.

We have access to a variety of insurance products that can help meet your financial security planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.

We are Independent Life Insurance Agents, which means we can offer policies from a wide variety of companies. The advantage of independent agents is that they can search for a company that offers the policy that best fits your needs. This can be especially important if you have special underwriting considerations.

Life Insurance

In the event of death, life insurance offers surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.

Disability Insurance

Help protect one of your most valuable assets – your income – from unexpected events through disability insurance.

Long Term Care Insurance

Income is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial security (e.g. planning for your children’s education or for retirement). Just think what might happen if you suddenly lost your income stream through a long-term illness or disability.

Private Captive

Captive insurance is an alternative to self-insurance in which a parent group or groups create a licensed insurance company to provide coverage for itself. The main purpose of doing so is to avoid using traditional commercial insurance companies, which have volatile pricing, and may not meet the specific insurance and risk management needs of the company. By creating their own insurance company, the parent company can reduce their costs, insure risks not covered by traditional insurance, have direct access to reinsurance markets, and manage cash flow and company risk. 

We feel that it is crucial that a captive insurance company be properly formed for risk management purposes. Please consult your tax and legal advisors.