RISK MANAGEMENT & INSURANCE PLANNING

Comprehensive Risk Analysis

Protecting your financial plan is as important as building wealth:

Life Insurance Needs Analysis

• Income replacement calculation

• Debt coverage (mortgage, loans)

• Education funding for children

• Final expenses and estate needs

• Term vs. permanent insurance recommendations

• Coverage amount optimization

Disability Insurance Evaluation Your income is likely your most valuable asset, often worth $2-5 million over your career. Protecting it is critical.

• Review of existing group coverage

• Assessment of coverage gaps

• Own occupation vs. any occupation definitions

• Supplemental individual coverage recommendations

Critical Illness Insurance Assessment

• Evaluation of whether coverage is appropriate for your situation

• Cost-benefit analysis

• Integration with overall financial plan

Insurance Implementation Support

• Policy comparison and selection guidance

• Application process assistance

• Medical exam coordination

• Policy document review

• Ongoing coverage reviews as life changes

Important Note: Insurance recommendations are based on your needs and financial situation, integrated with your overall financial plan