Insurance needs analysis and policy research
We often hear of people who were told by their insurance agent how much insurance they should purchase without the agent even knowing how much they were worth. This approach is totally wrong. Insurance is not an investment- it is protection against a financially devastating event with a low probability of occurrence. If an event is not financially devastating, it does not need to be insured against. In order to ascertain whether an event is financially problematic for someone, that person's financial worth needs to be known!
We can help you answer the most important question regarding insurance: how much insurance does someone actually need? You’ll get unbiased advice instead of a recommendation from an agent driven by a large potential commission. This analysis will tell you whether you really need life, disability, long-term care, or umbrella liability insurance. If the answer is yes, we'll help you determine the amount and weigh the costs and benefits of particular coverage.
At that point, we will then help you find an agent to buy coverage. We do not sell insurance or any other product, so you can feel rest assured that when we recommend that a client purchase insurance, they really need it.
Who will look after them if you can't?