Insurance Planning
Insurance helps protect your assets or your income at all life stages—whether you get life insurance to help your family pay the bills if you die early, disability insurance if you get sick or injured and are unable to work, homeowners insurance to help repair your home and replace your possessions after a disaster, auto insurance to fix your car after an accident and provide liability coverage, or health insurance to cover your medical expenses.
Jump Into Better Coverage: Life Insurance Made Simple
Life insurance can help protect income, build cash value, support long-term care needs, and transfer wealth as life changes.
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Learn what to know before turning 65, including Medicare enrollment timelines, penalties, coverage options and how a CFP® professional can help you plan wisely.
Life insurance needs are dynamic, not static. The coverage that made sense at one point may no longer be appropriate as your goals and circumstances change.
Although healthcare insurance can be complex, asking the right questions, planning ahead of open enrollment and working with a CERTIFIED FINANCIAL PLANNER® professional can eliminate some of the guesswork.
Unfortunately, those fighting breast cancer often find themselves in an ongoing battle with many factors out of their control. Managing breast cancer carries enough worries, so before to or following a positive diagnosis, here are a few tips that could alleviate some of the financial burden.
The topic of insurance can bring up tough conversations. No one wants to think about the possibility of not being able to take care of ourselves or our dependents. But the path to financial freedom involves both building wealth and preserving wealth.
What better time than the start of a new year to craft your financial future. Working with a CFP® professional provides direction in several areas of personal finance, including budgeting, investments, insurance and tax planning.
According to a recent study from the Life Insurance Marketing and Research Association (LIMRA),* more than half of all millennials (those between the ages of 24 and 41) have no life insurance coverage at all. The study says that 35% of millennials don’t own policies because they think life insurance coverage is too expensive, and another 45% think they would not qualify for coverage. The LIMRA study shows that 8 in 10 millennials overestimate how much life insurance would cost them. Typically, under $300 annually. As far as not qualifying goes, millennials often qualify easily since the younger you are, the less likely you are to have health issues that would preclude coverage.
It is important to have a plan in place for potential medical expenses. A CFP® professional can help you evaluate your family’s health care needs and create a comprehensive financial plan that covers your medical expenses today, as well as your potential future costs.
Insurance should be accessible to everyone. All lesbian, gay, bisexual, transgender, questioning, and/or queer (LGBTQ+) people should be able to purchase insurance policies without issues, but we know that this is not the experience in our community. The meta description has a nice length.
Insurance can feel daunting for many of us — particularly if you’re a lesbian, gay, bisexual, transgender, questioning, and/or queer (LGBTQ+) individual who has concerns about fully being understood by insurance providers. Or you are single and don’t think you need it.