Insurance

Financial management is about building financial stability, and no strategy is complete without ensuring that stability is maintained. We'll help prepare for the unknown with insurance planning services.

We objectively analyze your situation to create an insurance strategy that addresses your specific needs. After reviewing insurance options, we can put policies in place to preserve your financial stability, while giving you and your family peace of mind.

Depending on your unique situation, we may recommend reviewing the coverages in place to determine if they're right for you, or if it's time to update your policies. You may want to adjust or add to the insurance coverage you currently have—property, liability, umbrella, cyber, collectibles, jewelry, life, long-term care, disability—to:

• Create income for survivor beneficiaries
• Pay off major liabilities upon passing
• Cover the growing cost of long-term care assistance
• Provide income in the event of a disability
• Protect your assets

Private Risk Advisory Services

You may need higher insurance limits for personal possessions and asset protection. Our Private Risk Advisory Services, or PRAS, are specifically designed to bring a higher level of personalized service and risk management. You'll benefit from:

• A dedicated risk consultant who will act as an advocate
• Individualized risk program development
• Access to specialized services and insurance providers
• Specialty coverage for Special Events, Excess Liability, Travel, Domestic Employees, Kidnap and Ransom, Collectibles—Wine, Autos—Fine Arts, Jewelry, Volunteer Boards of Directors, Aircraft and Yachts

Life insurance

Planning for the future can be difficult, but not planning may put you and your loved ones at risk. We can help ensure that your family is protected, while also maximizing estate and retirement planning. We offer a wide range of life insurance products, including term, universal and variable universal life insurance.

If you're a business owner, we can also provide executive benefit, key-employee, deferred compensation and business continuation planning.

Long-term care insurance

Improved access to quality healthcare and healthier lifestyles have raised the average life expectancy dramatically. And while most people hope to remain active and independent throughout their lives, an accident or the effects of aging can create the need for long-term care. We can help protect your assets from uncertainty with a comprehensive long-term care policy.

Disability insurance

Accidents happen. Disability insurance covers you and your family by replacing part of your income if you become disabled.

Excess liability—umbrella

Your responsibility for liabilities may not end at the limits provided by homeowners insurance, depending on the damages caused to others and the awards provided by juries. Wealth can be a target and all of your current assets as well as future earnings can be exposed.

Jewelry

This special asset class includes everything from family heirlooms to investment-grade gemstones. If you've acquired beautiful pieces over time and have a substantial collection, the right insurance can help preserve your jewelry's long-term value.

Collectibles

Protecting your collections starts with enlisting the services of a specialized insurer. Did you know most homeowner policies specifically exclude coverage for perishables such as wine? We can help secure a separate collections policy to protect your wine collection. If you own luxury, high-performance or collector cars, you should consider shielding yourself from market depreciation and cost of replacement and repair. Your fine art should also be insured for things such as deterioration due to aging and artificial light.