Insurance Planning
Without proper planning, be it Investment Planning, Retirement Planning, or Estate Planning, you’ll likely not invest successfully, retire comfortably, or leave a meaningful legacy for your beneficiaries. And without a well-thought-out Insurance Plan, every one of those facets of a financial plan could be exposed to unforeseen risks.
Good planning helps you identify and plan for all the risks involved in every aspect of your financial life. Thoughtful Insurance Planning helps mitigate the risks you can’t foresee or those that you are unable to plan around!
What We Can Do For You
They say that some things are better to have BEFORE the need is felt – even if they are NEVER ever used. Insurance is one of those things. Rather than seeing insurance as an “expense”, most people experience it as peace of mind. That’s the essence of our Insurance Planning service.
Our Insurance Planning service covers:
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Comprehensive Review: We’ll review existing plans, if you have them, to ensure they continue to fit your needs. But if you don’t have an insurance plan, we’re here to advise and guide you on which plans make best sense for you and your family.
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Death-event security: If you have people that depend upon you being around for many years to come, like your spouse/partner, minor children, aged parents, we’ll advise on what life insurance policies best meet your needs.
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Retirement income through annuities: Sometimes, the best way to guarantee retirement income is the simplest – Annuities. Of course, these products vary in terms and pay-out options and conditions. Our experts will help make sense of it all!
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Disability and long-term care protection: An Illness or Accident can leave you severely disabled and financially stressed. We’ll help you insure against such unexpected turn of events.
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Insuring estate and succession plans: When structured correctly, insurance can be a great estate planning tool, especially when it comes to shielding your beneficiaries from paying taxes or fees on their inheritance. Partners in business may also use insurance policies as a great financial tool to aid in succession planning. We’ll help you structure an insurance plan that makes sense for your needs.
Book a meeting with us to see how we can help you with your insurance needs.
*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.
