Insurance

Our specialists analyze clients’ financial structures, determine potential risk factors and provide creative insurance solutions to minimize exposure to those clients and their families. Because asset protection, risk management and insurance are critical elements in any financial plan, Your Consultants customarily reviews clients’ insurance portfolios and identifies the creative strategies designed to help meet their changing needs at every stage in their lives.

Do clients have the right amount of coverage? Do they have the right policies and carriers? Would an annuity with a Guaranteed Minimum Income Benefit rider be an appropriate part of their risk management planning?

Your Consultants’ life insurance portfolio is comprised of products offered by some of the country’s best insurance carriers. Whether the client needs a simple life insurance policy or a more complex private placement life policy, Your Consultants’ specialists have the expertise and resources to meet that need.

Your Consultants specializes in providing customized Disability Income Insurance coverage for senior executives through corporate-endorsed benefits programs. This is an often misunderstood and overlooked piece of an employee’s financial security.

And finally, as long term care costs continue to rise, about 10 million Americans age 65 and older now depend on long term care services, and that number is expected to double by 2040. Additionally, an estimated 70 percent of people who reach the age of 65 will need some form of LTC before they die. Our long-term-care specialists work with each client to identify the appropriate coverage and carrier that will best protect their assets and preserve their independence.

Selecting the right insurance is a critical element in a comprehensive program of risk management, but it’s only one element. As clients’ lives changes, so do their needs. The specialists at Your Consultants’ review with clients their entire portfolio regularly to help minimize risk and maximize financial security.