As part of our comprehensive financial planning service, we review our clients’ portfolio of insurance coverages including life, disability, health care, home, personal property and auto.

Life insurance comes in many forms. We analyze each client’s coverage needs as well as the type of life insurance already owned. In addition, we assess the cost of existing policies, since prices may have dropped over the years. After these evaluations, we make a recommendation on the amount and type of life insurance that is advisable for the client’s circumstances.
Disability insurance is very important for most people. If the client has disability coverage at work, we analyze the type and amount to determine if it is sufficient. In some cases we recommend additional disability insurance from a source other than the employer. For our entrepreneurs and professionals who own their own practices, we recommend disability coverage that reflects their needs and responsibilities.

Long Term Health Care insurance provides benefits for in-home health care and residency in a nursing home. This coverage is distinct from health insurance. We assess the client’s family situation to determine if a member who is likely to remain financially dependent on the client is eligible for this type of insurance. Also, many clients purchase this coverage so that if one spouse becomes disabled, the other spouse can live comfortably as the supplementary income of the policy prevents all of the family’s financial resources from being drained.

Health Care Insurance is a challenge for most people in today’s society. We assist in evaluating our clients’ needs and existing benefits. Where necessary, we call on experts affiliated with our firm to assist the client in this arena.

Our firm is not licensed in property and casualty insurance; however, we review deductibles on the client’s policies and evaluate whether an umbrella policy is advisable and what amount the client might request from his or her agent.