Insurance Planning for Professionals, Executives, and Owner-Managed Businesses

The only way we can truly help you is by fully committing to understand your situation which allows us to put ourselves in your shoes. Once we understand the situation from your perspective, we can take our knowledge and give you tailored advice based on your needs and wants.

Once the needs assessment has been completed, we will share with you what types of insurance coverage that matches your current situation. Very rarely does a client need only one type of coverage today. It makes sense to take care of the now while having a plan in place that can take care of future needs as your situation evolves.

This is done behind the scenes once we know which types of insurance make the most sense for you. There are many different products, each offering their own unique advantages in the market. We compare these different products to identify which insurance carrier will offer you the most value for your hard earned dollar.

Now that we have an in-depth understanding of what you are looking for and which carriers would be best suited to you, it’s time to sit down together to review the plan and make final decisions. Our approach is to allow you to choose from different levels of coverage based on your needs, wants and budget for each type of solution.

Majority of the time, it is your health that purchases the insurance. Typically, it’s too late to purchase adequate coverage once you know you need it. It’s like trying to buy collision coverage after the car accident already happened. We will work with you to create realistic expectations on what the decision would most likely look like. The underwriting process can take up to three months, sometimes longer. Qualifying applicants do have the option to be covered during the underwriting process.

In some cases, you would be required to complete a blood sample and/or urine test. Your cooperation will make the examination process more effective for the insurance company, create fewer problems for your application, and help expedite the process.

Once we have an offer from underwriting, we will meet once again to go over the finer details of the policy to ensure you understand how it works. At this time you will need to accept or reject the offer. Typically, you would only reject the offer if you do not feel a good offer was made. Even if that was the case, we would usually recommend taking the standing offer while we go back to the market to see if a better offer could be given from another carrier.

We strongly encourage that we meet on an annual basis. This will allow us to make any necessary adjustments to your insurance plan as your needs may change over time. We will keep you updated on key dates that we looked at when setting up the plan to take advantage of what the policy can offer you in the future.