Broker Check

Risk Management

Secure Planning Strategies will carefully review the best insurance products to find the right fit for each situation. We are not employed by any one insurance company; we work only with those that are financially strong and highly rated in the industry. We’ll talk with you to identify both short and long-term needs and then research an affordable product with the benefits you require.

When you think of Insurance in your financial plan the thought is mainly of life insurance, but in reality there are so many important pieces to the risk management puzzle:

  • Disability Insurance
    • Imagine if you were permanently disabled in your peak earning years...are you well protected to still maintain your standard of living?
  • Health Insurance
    • An employer health plan is a must but the impending health coverage that everyone needs to plan for in retirement is Medicare.
    • What parts of Medicare do I need? (A,B,C,D) What is Medigap insurance? Do I have the necessary coverage?
  • Life Insurance
    • Term, Permanent, Whole, and Universal life insurance are the names but what do they cover and what do I need to be insured properly?
  • Long Term Care Insurance
    • Life expectancy is on the rise and LTC costs are increasing every year. How will you be taken care of in the end?
    • 70% likelihood that one spouse will need LTC, are you prepared?

Putting Together Your Risk Management Puzzle

There is no exact answer to the insurance puzzle but it is necessary to create a secure foundation that will safeguard the entire financial plan. In our process we will take a look at your complete financial picture and make sure that in case of catastrophic life events you and your family's financial goals will remain intact.