Risk Management
Creating your Protection Shield
Many times people come to us for help with their protection needs we find they are either over or under insured. Having the right coverage at the right cost to protect your family is cornerstone of financial planning.
Below is a brief description of the key Risk Management areas.
Income Protection
Can we financially sustain our lifestyle if one of us can't work for an extended period of time?
Legacy and Estate Planning
Making sure our final affairs are in good order is a daunting task, when was the last time you updated your Will or Trust?
Life and Long Term Care Hybrids
Many companies are creating products that combine Long-Term Care benefits with Life Insurance. This gives clients the flexibility to use their life insurance to cover multiple aspects of their risk management portfolios
Retirement Supplements
When put into place earlier enough, clients are able to use their life insurance for supplemental income at retirement
Limited Payment Periods
Most permanent insurance coverage requires you to pay premiums for your entire life. Today, most companies offer limited pay contracts, so that we can design a payment plan that makes sense for your life.