Making sure you are protected and prepared
Insurance at its core shifts your risk to others. You purchase insurance to protect yourself from an unlikely financial loss you cannot afford to sustain. You may be able to afford to replace a dented bumper but not your car, much less someone else’s car and medical bills in the hundreds of thousands of dollars. Insurance spreads pooled risk among all those insured. As a necessary risk management tool, insurance by its nature costs more than it pays in benefits. You should have the right coverage which is neither too little nor too much.
HOME, AUTO & LIABILITY
Property can be replaced … if you have the right kind and amount of insurance!
We often find clients with insufficient coverage are also paying too much. Policy provisions may exclude certain types of loss and property value definitions may limit the ability to replace lost possessions. We make sure that you have adequate catastrophic coverage in place, without paying more than needed to cover that exposure.
LIFE, HEALTH & DISABILITY
You pay for insurance with money …but you buy it with health!
During your working years you need to protect those dependent on your income from an untimely death. You also need to insure your income should an illness or injury keep you from working. Major medical insurance protects everyone from catastrophic medical expenses, while long-term care should be contemplated closer to retirement. Each insurance product has many different features and types to consider. We will analyze your situation and the applicable risks to determine needed coverage and where to purchase it.
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