Insurance Strategies

We work in conjunction with a wide variety of strategic partners to provide our clients with insurance strategies to manage risk. The philosophy is simple - offer objective choices in companies, products and prices that meet our clients needs. These strategic associates are highly rated, handpicked and carefully monitored insurance carriers.

Our insurance strategies services include:

  • Personal – life (term or permanent), estate planning, disability, income guarantees
  • Business – buy/sell, key man, deferred comp, split dollar executive plans

Our insurance planning approach:

  • A team approach that incorporates tax and legal advisors
  • An independent and objective analysis of your risk management situation
  • Representation of multiple insurance carriers to match your needs with the appropriate product from a quality company at a competitive price
  • Regular service reviews
  • Coordination of risk management program with wealth management objectives
  • Life, long-term care, and disability insurance
  • A full array of insurance planning solutions including business continuation, advanced estate planning, executive benefits and personal planning

Our insurance planning audit/review incorporates a consultative approach with comprehensive wealth management planning.


Do I ned to upgrade my insurance policy?

That depends on you and your unique situation.  Your age, health, financial position and family all impact the amount and type of insurance needed.  In addition to property and casualty insurance, the type of risks generally insured against are health and medical, disability, long-term care and life insurance.  We can assist you in evaluating your current insurance policies and offer suggestions for shoring up any undue risks.

Are life insurance proceeds taxable?

Generally, life insurance proceeds paid to a beneficiary due to the death of the insured are not taxable.  However, any interest income you receive is taxable.

Is an annuity right for me?

Annuities can most certainly be a part of your overall financial plan.  Annuities can guarantee an income stream which can shore up some of the risks associated with your long-term financial plan.  Your age, time horizon, risk tolerance and other factors should be weighed in as you consider if an annuity should be a part of your portfolio.

How much disability insurance do I need?

Insurance companies do not sell disability insurance to replace 100% of your income; they do generally insure to replace 70% of your income.  If your current plans do not cover 70% of your income you may want to look for a supplemental policy for the difference.  A major benefit of owning your own policy is that when you pay the premiums yourself with after-tax dollars any benefits will likely be tax-free.  As with all insurance needs, the amount of disability insurance needed depends on your circumstances.

Our Insurance Carriers

Brighthouse Financial
American National
Legal and General
John Hancock
Lincoln financial group
Mutual of Omaha
North American Company
Petersen International underwriters
Securian financial

This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice.  For information about specific insurance needs or situations, contact your insurance agent.  In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs.  Guarantees are based on the claims paying ability of the issuing company.  If you need more information or would like personal advice you should consult an insurance professional.  You may also visit your state’s insurance department for more information.