Insurance

Our approach to insurance is based on the belief that everyone's plan starts with the idea of saving and investing to achieve financial well-being, and ultimately, financial prosperity.

We insure for the things we don't want to happen. We insure for events that would have an adverse impact on our plans, and more importantly, on our family. We don't particularly want to spend our hard earned money for this part of our financial life, however, when loved ones are involved this issue is far too important to overlook. Therefore, our approach to insurance is one that focuses on the need to protect your family's plan for financial well-being balanced against the resources of your household.

When it comes to selecting coverage, we evaluate your financial situation and existing resources, including the benefits your employer may provide. We then evaluate the potential impact that death, disability, or chronic illness would have on the family members of the household. Our evaluation will show the financial impact of not having coverage, as well as how the insurance proceeds would be spent in the event that a claim would be filed. 

We work with a vast majority of major insurance carriers. Therefore, we can obtain multiple quotes from those carriers who are most likely to offer the best prices for your situation.

In most cases, an insurance purchase made by our client is a sale on our behalf, meaning that we earn a commission. We are sensitive to the experiences some of our clients have had in the past where an insurance salesman continuously calls until the prospective client buys. We view our role as that of an advisor. We will assess your situation and recommend specific coverage. It will then be your choice to implement. 

If you do implement your insurance purchase with us, we will review your coverage annually to ensure that we account for changes in your household and in the marketplace of products and services.