People often dismiss insurance as a questionable expense, or a carelessly-marketed product. Properly integrated into a portfolio, it can serve many people as an important and sophisticated risk management strategy. It can help you insulate your assets from the unthinkable or the “what if's” before those thoughts have the chance to become realities.
As independent financial professionals, we act as brokers for our clients rather than agents for a company. We can choose from a wide variety of options to protect one's assets, including life, disability, health, and long-term care insurance.
Our approach is to help clients identify risks to which they are exposed and to evaluate the potential losses associated with those risks. We then formulate a strategic plan for minimizing the potential effect of these risks, put the strategy into action, and periodically review the plan and update it as needed.