Insurance Evaluation

Insurance coverage is a balancing act, a function of cost relative to need. Though we do not sell insurance, we review clients’ coverage to determine if there are any insurance gaps or unnecessary coverage. Further, we evaluate the need for long-term care and disability insurance. Our firm partners with qualified health insurance experts who analyze the appropriateness of our clients’ policies. When additional coverage is necessary, we recommend low-cost providers and facilitate the purchase of an appropriate and fitting policy for the client.

Finally, we have the tools to analyze the productivity and fees of our clients’ annuities. If we identify products that are not serving the client’s interest, we conduct a cost to benefit analysis of surrendering the policy.

Fact:
45% of those reaching 65 will enter a nursing home, and 70% will need home health care.

Fact:
No-load insurance premiums are often 50% to 70% less than traditional insurance products and have no surrender charge.