“The time to repair the roof is when the sun is shining.”   - John F. Kennedy

An integral risk management role in your Financial Life Plan

We hold life, health, long-term care insurance and annuity licenses and partner with several highly rated insurance providers to find insurance solutions. Keeping you and your family protected without depleting assets is critical to your financial future. If something were to happen to you, life insurance provides income when it is needed most to pay down debts, to help meet housing and ongoing living expenses, to pay for college for children and grandchildren and much more. With nearly 70% of seniors requiring some type of long-term care, long-term care insurance safeguards your retirement dollars from the rising costs of health care.1

1 source: https://longtermcare.acl.gov/the-basics/how-much-care-will-you-need.html

We can help you:

  • Review your existing policies and identify any coverage gaps

  • Review older policies to see if they are still suitable for your current needs

  • Discuss longevity, future health care expenses and review long-term care needs

  • Facilitate 1035 insurance exchanges from a life only policy to a life/long-term care hybrid policy if the features, benefits and cost fit with your planning goals and needs. 

  • Consider disability insurance if you are self-employed or not covered by a work plan

  • Suggest new term or permanent life, disability or long-term care policies to protect your wealth if they enhance your financial life plan

  • Ensure beneficiary designations are up to date

This is not, in any way, intended as an invitation to replace your existing coverage. Such an exchange is often not appropriate due to such factors as surrender charges on your existing policy, the surrender charge period on the new policy, transaction costs associated with the exchange, the values of the new policy versus the old policy, and the various fees and expenses associated with the new product.

Therefore, replacing an existing policy should only be considered after a careful evaluation of these factors as well as a thorough review of your existing coverage.


Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.