Risk Management Solutions
When your financial plan has wealth protection and risk management built in, you and your loved ones can worry less and live more.
When you work with us, we start with you, your family, and your priorities. You’ll have access to a range of financial options designed to reinforce each other so your financial plan can work its hardest to help you reach the goals you have for right now, and later on.
Together, we'll develop strategies that:
Give you more financial flexibility throughout your life
Our life insurance can be designed to fit whatever you need. It could provide protection, a cash accumulation, or help you leave a legacy. We have access to high-quality life insurance products, including permanent, term, combination, and variable policies.
Keep your goals on track if you’re unable to work
Your ability to earn a living is likely the most important financial asset you have. With disability income planning you can help protect your earning power and keep your goals on track if an unexpected injury or illness prevents you from working. Depending on the type of job or career you have (or business you own), we have options.
Get the right long-term care for you and your loved ones
Having a long-term care plan in place can give you (or a loved one) choice and control over where and how to receive care should it be needed. Plus, a plan will let your loved ones know your wishes and lessen the burden of the physical and emotional strains that can come with the need for long-term care.
Someday, you or a loved one could need ongoing help with day-to-day tasks like bathing, eating, or getting dressed. The cost of care is often underestimated and may not be covered by health insurance or Medicare. Long-term care planning can help you manage the assets that you’ve worked so hard for, so your family focus on offering love and support.
Life Insurance Planning
While providing the protection you need, our solutions play a key part in your financial plan, giving you more financial flexibility throughout your life. We’ll listen to what's important for you to do today and down the road, and evaluate which type of coverage, and amount, could help you reach your goals.
You work hard to give your loved ones every advantage. The right life insurance can make sure that you leave a legacy for loved ones and help maintain their standard of living when you’re no longer here.
Our evaluations are based on your goals, priorities, and the role life insurance will play in your financial plan. From protection that lasts for a set amount of time (term life) or a lifetime (permanent life), we have a solution. And with permanent life, you also get financial benefits that you can use while you’re living, including:
- Financial flexibility for emergencies and opportunities
- A cash accumulation that grows over time and can be used for anything
- A tax-advantaged way (via a cash accumulation) to help grow your wealth
If you’re a business owner, offering life insurance as part of a comprehensive benefits package can help to recruit and retain valuable employees and help them feel financially secure while contributing to the success of your business.
Life insurance can also minimize the financial impact felt by the passing of a key contributor to your business. Its cash accumulation (or cash value) can be used to cover the potential loss of business or to recruit a successor.
Disability Income Planning
Help protect your earning power and keep your goals on track if an unexpected injury or illness prevents you from working. No matter the type of job or career you have (or business you own), we have options that can give you more choice and more control.
Your ability to earn a living is likely the most important financial asset you have. Having a plan ready to go should you experience a disability, can help you rest easier knowing that your goals, big and small, can keep moving forward.
Individuals – While you focus on getting better, your goals like leaving a legacy or saving for a second home can still stay on track when you have a plan.
Physicians and Dentists – With a plan, you’re not just protecting your income, you’re protecting the investment you've made in your career.
Business owners and employers – A plan can help keep your business running if you or another key employee becomes too sick or injured to do their job, and by enhancing your benefits package with a plan you can help protect your employees, too.
Long-Term Care Planning
Having a long-term care plan in place will give you (or a loved one) choice and control over where and how to receive care should it be needed. Plus, a plan will let your loved ones know your wishes and lessen the burden of the physical and emotional strains that can come with the need for long-term care.
Someday, you or a loved one may need ongoing help with day-to-day tasks like bathing, eating, or getting dressed. The cost of care is often underestimated and might not be covered by health insurance or Medicare. Long-term care planning can help you manage the assets that you’ve worked so hard for, so your family focus on offering love and support.