Insurance Services

Every insurance policy should fill a specific need; these needs are most accurately assessed when combined with thorough financial planning. We personally place policies with clients to insure that we use the policies that best address their needs. Being affiliated with one of the largest independent insurance brokerage firms in the country allows us to find that policy for our clients. Agents without a financial planning background for instance,may be limited to the companies they represent, restricting your access to the best policy for you.

Our Services Include

  • Life Insurance: All types for all applications; (funding irrevocable life insurance trusts, buy/sell agreements, income replacement, estate liquidity, executive benefit)
  • Annuities: All types
  • Personal disability: Including "own occupation" policies for physicians and surgeons
  • Traditional long-term care
  • Long-term care hybrid policies   

The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.