Advanced Planning & Risk Management
Advanced Planning is our way of providing next-level advice to Individuals, Families, and business owners. Our team of specialists bring together insurance strategies to address your needs and holistic financial plan.
Individuals and Families – Risk Management, Retirement Income, Long-Term Care Funding, Eldercare Planning, Estate Planning & Wealth Transfer, Estate Tax Funding, Charitable Giving, Income Tax Reduction Management, Family Income Replacement and more.
Business Owners – Risk Management, Retaining Key Employees, Supplemental Executive Retirement Plans, Nonqualified Deferred Compensation, Qualified Plans, Accumulated Earnings Strategies, and Corporate-Owned Life Insurance
Life Insurance
Life insurance is an essential product in the area of wealth management – for financial protection, saving, for investing, and for passing on wealth to the next generation. Life insurance is an essential product in the area of wealth management – for financial protection, saving, for investing, and for passing on wealth to the next generation. In addition to traditional life insurance, we also offer short-form applications and an expedited underwriting process that allows policies to be approved at the time of completing the application. This process can be an effective solution for clients who do not want to endure the process of full underwriting as well as clients who may be considered a substandard risk when applying for fully-underwritten insurance.
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Retirement Income Planning
We pride ourselves in our ability to discuss planning opportunities and potential pitfalls that people may experience just before and during their retirement years. Our planning process makes retirement income planning decisions simple and plan implementation more effective. Many are looking for safety and guaranteed income as they approach and live through their retirement years. At LFIA we utilize fixed and fixed-indexed annuities as some of the solutions to address your retirement income needs.
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Estate Planning
Like Wealth Transfer Planning, Estate Planning is a critical planning opportunity to achieve the continuation of family wealth for all sizes of estates. Put simply, an effective Estate Plan allows you to pass an inheritance to who you want how you want when you want by implementing strategies appropriate to the size of your estate and the risks that are specific to you, your family, and your business, if applicable.
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Long-Term Care
Our Long-Term Care Planning offerings are an integral part of your comprehensive financial plan and can ensure tax benefits, plan funding, guaranteed cost certainty, and more. Unlike traditional Long-Term Care Insurance, our solutions do away with “use it, or lose it” benefits. Statistically, 70% of Americans will require some form of Long-Term Care in retirement. While no one can predict if you will need care, we can help to create a suitable plan to protect your family and ensure multi-generational financial security, whether you use the benefits or not.
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Disability Insurance
Simply put, disability insurance protects your income. Disability insurance policies are customized to meet your needs whether you are an individual who has been previously declined coverage or a business owner looking for group disability insurance. Many Americans remember to buy life insurance to provide for their loved ones in the event of death, but they forget to secure paycheck protection to provide for their loved ones or employees in the event of disability. Our proprietary Analyzer makes it easy to compare options and identify superior solutions. We offer Individual DI, Business Overhead, Disability buy-sell, Keyperson DI, Retirement plan DI and more.
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Property & Casualty Insurance
Our team works with businesses and individuals to protect against loss and liability while mitigating risk. We partner with you to design plans that
are unique to you or your business structure and long term goals that will support the your success so that you can focus on what you do best.
We’ll survey and analyze your individual needs or the operations of your business and assess your exposure in order to implement the right program
to fit your needs. We represent a variety of carriers, so we can compare all of your options objectively.
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Medicare
Medicare was never designed to cover all your medical bills. We’ll help you bridge the expensive gaps Medicare leaves behind and show you the right solution for your needs. Navigating through all the available medicare information can be confusing. We offer educational courses for those nearing age 65 to learn about the Medicare system and the benefits of both Medicare Advantage and Supplements as well as Medicare Part D options.
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