Broker Check


Insurance can be a valuable tool as part of a comprehensive financial plan, however, not all insurance recommendations are in the best interest of the client.

We ensure our clients do not waste money on unnecessary insurance coverage, while also making sure they have covered all potential holes in their plan.

  • Some of the most common types of insurance we implement for our clients include:
    • life insurance,
    • disability insurance,
    • long-term care insurance,
    • health insurance
    • group benefits
Life InsuranceA contract under which an insurance company promises, in exchange for premiums, to pay a set benefit when the policyholder dies. Several factors will affect the cost and availability of life insurance, including age, health and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. If a policy is surrendered prematurely, the policyholder also may pay surrender charges and have income tax implications. You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.

Disability InsuranceAn insurance policy that pays a portion of the insured’s income when a specified disability makes working uncomfortable, painful, or impossible.

Long-Term Care InsuranceInsurance that covers the cost of medical and non-medical services needed by those who have a chronic illness or disability—most commonly associated with aging. Long-term-care insurance can cover the cost of nursing home care, in-home assistance, assisted living, and adult day care.

Health InsuranceAdd definition

Group BenefitsAdd definition