While you navigate the volatile markets to achieve your financial goals, you also want to make sure that no matter what twists and turns life sends your way - losing a job, becoming sick or disabled, living too long, or dying too soon - you'll have a financial safety net in place to protect you and your family. Insurance is a way to address that risk.
There are lots of factors to consider when determining how much and what kind of life insurance to buy, and the purchasing process can be quite complicated. So when you’re ready to shop, it’s always a smart idea to seek assistance from a qualified insurance advisor who will take the time to carefully assess your needs, and provide you with options from which to choose.
High Valley Financial Planning Services will work with you to:
How much do you need? If you die prematurely, what financial burdens will be threatening your loved ones? Loss of income, mortgage liability, college education, final expenses and taxes are all possible threats. What if you linger and need nursing care? We help you calculate your insurance needs by assessing your existing coverage, if any, and available resources, to arrive at a net insurance need.
Once we determine your needs, we look at various insurance tools to maximize the protection you will receive. We work with your current and projected cash flow to come to an optimal strategy. Sometimes combinations of insurance products are proposed. We educate you about the differences between insurance product types, and communicate clearly to you why and how the insurance strategy is to be used. We are here to find the best available solution for you.
We don’t work for a specific insurance company. Each insurance company has its strengths and weaknesses regarding age, coverage, and health standards requirements. We apply for the insurance carrier that best suits your unique needs.
Insurance is an integral part of your overall financial plan. Sometimes your circumstances change and may require a change in your insurance strategy. We review your insurance strategy regularly with you to ensure it is still sound.