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Our insurance and risk management division aims to address potential risks that clients have with the most efficient products available to them. We work to identify what clients’ true risks are, audit existing coverages, and ensure that clients find plans that are customized to their individual risk management needs.

What are the Different Risks That People Face?

Insurance is designed to prepare people for sudden, unexpected, and potentially adverse changes in circumstances. There are many different risks that can affect an individual’s personal life, family, finances, and business, including: 

Life risk – if a person dies, will there be:

  1. Enough income to sustain the lifestyles of survivors?

  2. Tax or legal complexities concerning estate and wealth transfer to heirs?

  3. Business continuity if key personnel pass away?

  4. Buy/sell funding if a business partner passes away?


Disability risk – if a person becomes disabled and can no longer work, will there be:

  1. Enough income to care for and sustain the individual and any dependents?

  2. Enough income to sustain business overhead and expenses?

  3. Buy/sell funding if a business partner becomes disabled?


Long-term care risk – healthcare costs in the United States are projected to increase at over double the annual inflationary rate, and the costs of live-in facilities or in-house nurses can quickly drain anticipated retirement income


Various business risks, such as:

  1. Cybersecurity risk

  2. Liability risk

  3. Audit risk

  4. Industry specific risk, such as HIPPA risk for pharmacy owners

How Can Insurance Design Help Mitigate These Risks?

A strong, customized insurance design can do multiple things for individuals. First, it can help keep clients neither over-insured and paying unnecessary costs, nor underinsured and accepting untenable risks. It can keep family taken care of in the event of death or disability with the replacement of income. For businesses, strong insurance design can help ensure continuity in the event of the death of a key partner by providing immediate liquidity to buy out the deceased partner’s estate or capital to infuse into the business to replace the partner. And creative insurance designs can be very useful in estate planning, providing tax-efficient wealth transfer vehicles, estate liquidity, and charitable planning opportunities.

What Can We Uncover in an Insurance Review?

There are a lot of risks in life, and there are a lot of products in the insurance industry. This can cause a great deal of confusion for individuals and lead to mistakes in their insurance design. Below are some of the most common mistakes we’ve seen made in peoples’ existing insurance coverage:  


  1. Clients are holding too much or too little insurance

  2. Policies are incorrectly owned and beneficiaries are incorrectly stated

  3. Life insurance held in way that can create taxable events for beneficiaries

  4. Policies are not efficient in terms of cash accumulation or the levels of death benefit and premium outlays

  5. Insurance frequently expires and needs to be renewed, resulting in potentially escalating costs as potentially adverse outcomes rise over time

  6. Insurance is not cost-effective, and clients are working with salesmen pitching proprietary products

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