Personal Solutions

Your Individual Life & Health insurance needs are as unique as you are.  That’s why it’s important that we take the time to understand you as the first step in the process.  The decision to buy life insurance, disability insurance and/or critical illness insurance is an important one.  The truth is, they are all important parts of a complete financial plan and risk management strategy.

  • Which policies are right for me?
  • How much coverage do I need?
  • How long will I need coverage for?

These are all great questions, and we get them often.  We can help you find the answers.

When designing a customized risk management strategy, there are a number of factors to be considered, including:

  • Age
  • Your existing insurance policies
  • Business vs. personal planning
  • Income
  • Occupation
  • Retirement goals
  • Business succession plans
  • Capital gains
  • Children
  • Inheritance plans

As you can see, a lot goes into designing a customized plan.  From our experience, a discussion with an advisor is a great place to start.