Insurance Coverage and Employee Benefits

Our advisors connect you with comprehensive insurance packages and employee benefits services that are custom to your unique needs. Since our team works with your best interests in mind, we discover the insurance products optimal for you, even if that means we receive no compensation.

Disability, Health, Life and LTC Insurance

Insurance coverage is a mandatory discussion in any financial plan. A health condition or accident could require costly medical treatment and might contribute to lost income. According to the Council of Disability Awareness, “over 1 in 4 of today’s 20-year-olds will become disabled before they retire.” The right insurance can supplement lost income and cover medical costs.

It’s nearly impossible to have worthwhile discussions about retirement planning and estate planning without thoughtful review of insurance options. Adequate health insurance in retirement, long-term care (LTC) insurance, and life insurance benefits can help provide for you and loved ones.

In 2016, Forbes identified Raleigh, North Carolina as #2 in America’s Most Rapidly Aging Cities. The senior population in Raleigh grew 18 percent from 2010 to 2014. With other popular retirement destinations across our state, from Asheville to nearby Pinehurst, out to Wilmington, the need for adequate LTC planning only grows.

During planning sessions, our advisors will point out possible tax breaks, such as the North Carolina LTC tax credit and federal exemptions. We’ll also review realistic scenarios to help you understand what’s at stake when comparing available insurance products.

Business Insurance and Employee Benefits

Whether you’re starting a new business and need insurance, or want to increase employee retention with a superior employee benefits plan, contact one of our advisors to learn more.

How may we help shape your financial future?