Pillar 5
One bad year shouldn’t undo thirty good ones.
Insurance is the pillar most people set up once and never look at again. We review your coverage against what you have today, not what you had when you bought it.
Explore
What this pillar covers.
- A liability review: where you’re exposed, personally and through a business.
- Life insurance: whether the amount and type still fit your family and your estate plan.
- Disability coverage: what happens to your plan if your income stops before retirement.
- Long-term care: how a long illness would be paid for, and what that would do to the rest of your plan.
- Employer coverage versus the coverage you own, and what goes away when you leave a job.
Where it touches the other pillars.
The right amount of insurance depends on your retirement plan, your portfolio, and your estate. Change one, and the number changes. That’s why we review coverage as part of your plan instead of as a separate sale.
What the work looks like.
We review your existing coverage as part of the assessment. At the findings meeting, we’ll show you where coverage is short, where it’s more than you need, and what we recommend.
Frequently asked questions
The review comes first, and it’s part of every plan. If there’s a gap, we’ll tell you and explain your options. Our advisors are licensed for life and health insurance, and any recommendation is shown inside your plan, so you can see why it’s there.
Not always. It means deciding ahead of time how a long illness would be paid for. Sometimes that’s a policy, sometimes it’s a plan to self-fund, and often it’s a mix. The right answer depends on the rest of your plan.
Let’s move forward together.
You’ve worked hard to build what you have. Start with a Discovery Meeting, at no cost and with no obligation. We’ll talk about where you are and where you want to go, and you’ll leave knowing exactly what working together would look like.
