Family Insurance

LIFE INSURANCE FAMILY PROTECTION

Taking the steps to make sure your family will be financially secure for the rest of their lives is one of the most important decisions an individual can make. We work with most major insurance companies to make sure you get the life insurance coverage that is right for you.

ESTATE PLANNING

You’ve accumulated a lifetime of wealth, and now you’ve decided you’d rather leave a legacy instead of a tax bill. We have partnered with the nation’s best attorneys, trustees, and accountants to deliver best in class estate planning services.

LIFE INSURANCE POLICY REVIEW

Reviewing existing life insurance coverage on an annual basis provides policyholders with the peace of mind to know their coverage will be there when they need it most. Life insurance policies are constantly changing. A life insurance policy review will provide you with the information you need to make the right decision with your existing coverage.

INCOME PROTECTION – DISABILITY INSURANCE

Income protection is the process of insuring an individual’s ability to continue to earn income resulting from a disabling event. This may be caused by an injuring, accident, or illness that prevents an individual from being able to perform their job at full capacity.

PREMIUM FINANCING

Premium financing allows affluent individuals to purchase life insurance using borrowed money to pay for premiums. Whether you’re considering this for estate tax purposes or supplemental income down the road, we work with both the bank and insurance company to design a plan that is best-suited for you.

LONG-TERM CARE INSURANCE

Seventy percent of people over the age of 65 will require some form of long-term care services during their lifetime. The average cost of nursing home care in the United States is approximately $85,000 per year. We provide individuals with access to coverage to help mitigate or eliminate the financial risk associated with a long-term care event.

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