Risk Management

Risk management is a critical component of the financial planning process. Individuals use insurance products for a number of different reasons at different points in their lives. For example, a young family may initially use life insurance for income replacement. As that family grows and accumulates wealth, insurance can be used for the purposes of estate planning and wealth transfer.

Businesses also use insurance products for different reasons. For example, a start-up business may need key person insurance to protect the firm in the event of a founder passing away. As that business looks at succession planning, insurance can be used to fund a buy-sell agreement.

Our team is licensed to provide the following solutions:

  • Life insurance: term, universal life, whole life, estate saver
  • Disability income insurance
  • Long-term care insurance: traditional and life/LTC hybrid
  • Health insurance
  • Key-person insurance
  • Buy-sell and business succession insurance