Nobody likes buying insurance. But when we need it, we are really glad it's there.
Insurance is meant to protect your most valuable assets in the event that tragedy strikes—your homes, cars, lives, incomes. Life tends to throw us curve balls, typically while we are caught up in the hectic day-to-day hustle and bustle of work and family. When that curve ball comes, insurance is the peace of mind that allows you to go about your daily routines without worry and stress.
Insurance planning is the process of reviewing, understanding, and mitigating those risks so that disasters are manageable and cause the least amount of disruption to you and your family. Insurance planning involves products such as life, disability, critical illness, and long term care insurance.
At Steinkey Financial Services, I can build a "risk reduction" plan to help you understand the risks you face and what steps you might take to minimize the impact to your daily life. Your insurance plan is customized to your particular situation and will be built with your specific concerns and risks in mind.
A properly designed insurance plan looks at all angles to ensure that you are properly protected in the event of:
- Disability (your employer plan alone may not be enough coverage)
- Critical illness (such as stroke, heart attack, and cancer)
- Death (ensure education plans are funded and your loved ones are looked after)
- Long term medical care (facility care or to cover the cost of in-home care)