Services | Insurance Planning

We are fee-only financial planners.

We do not sell any insurance/annuity products.
We do not receive any commissions from any financial products our clients use.
Therefore, we provide clients with unbiased advice about insurance.

We work with a network of insurance agents to help our clients plan for their insurance needs.

We do not receive any commissions from any insurance agent or anyone else.
If you already have an existing relationship with an insurance agent, we’d be happy to work with them as well and expand our network!

Life insurance planning

Life insurance can play an important part in a client’s wealth management and helping to achieve a client’s goals.
There are various types of life insurance — term insurance, whole life insurance, universal life insurance, 2nd-to-die insurance, group term insurance that you can get from your employer, and more.
We discuss the advantages and disadvantages of these types of coverages and help clients assess what their life insurance needs are.

Long-term care insurance planning

The cost of health care is constantly increasing, and the cost of providing long-term health care can have a significant impact on a client’s life planning goals.
We do not advocate for or against applying for long-term care insurance.
Instead, we discuss the advantages and disadvantages of this insurance with clients. Every client has a unique life, family, and health situation and each client’s concern for long-term care insurance is specific to their situation.

Property and casualty (P&C) insurance planning

We discuss the following coverages with clients and help them assess what their P&C needs are:

Vehicle (auto / boats / motorcycle) insurance
Homeowners insurance
Personal liability insurance
Umbrella insurance
Directors and officers insurance
Others

Disability insurance planning

Statistics have shown that an individual is more likely to become disabled than to die pre-maturely. Thus, this is an important coverage to consider for a client’s Financial Model. We review this coverage with clients to help them assess what their disability insurance needs are given their unique life situation.

Annuities planning

Annuities are complicated financial products that are sold by life insurance and other financial services companies.
We are fee-only and we do not sell annuities.
We help clients to review whether annuities should have a place in their wealth management planning, and if so, we make recommendations on which annuities to use.
We analyze commercial annuities to help explain their features and expense components to clients.

Home About Services Why Choose SFS? Contact
		Services \| Insurance Planning
Overview Tax Planning and Tax Preparation — Sechrest & Bloom, LLC Investment Management Planning Estate and Charitable Planning Insurance Planning Retirement Planning Employer and Concentrated Stock Planning Education Planning Employee Benefits Planning Business Planning Identity Theft Prevention Planning Secure, On-Line Client Portal		We are fee-only financial planners. We do not sell any insurance/annuity products. We do not receive any commissions from any financial products our clients use. Therefore, we provide clients with unbiased advice about insurance. We work with a network of insurance agents to help our clients plan for their insurance needs. We do not receive any commissions from any insurance agent or anyone else. If you already have an existing relationship with an insurance agent, we’d be happy to work with them as well and expand our network! Life insurance planning Life insurance can play an important part in a client’s wealth management and helping to achieve a client’s goals. There are various types of life insurance — term insurance, whole life insurance, universal life insurance, 2nd-to-die insurance, group term insurance that you can get from your employer, and more. We discuss the advantages and disadvantages of these types of coverages and help clients assess what their life insurance needs are. Long-term care insurance planning The cost of health care is constantly increasing, and the cost of providing long-term health care can have a significant impact on a client’s life planning goals. We do not advocate for or against applying for long-term care insurance. Instead, we discuss the advantages and disadvantages of this insurance with clients. Every client has a unique life, family, and health situation and each client’s concern for long-term care insurance is specific to their situation. Property and casualty (P&C) insurance planning We discuss the following coverages with clients and help them assess what their P&C needs are: Vehicle (auto / boats / motorcycle) insurance Homeowners insurance Personal liability insurance Umbrella insurance Directors and officers insurance Others Disability insurance planning Statistics have shown that an individual is more likely to become disabled than to die pre-maturely. Thus, this is an important coverage to consider for a client’s Financial Model. We review this coverage with clients to help them assess what their disability insurance needs are given their unique life situation. Annuities planning Annuities are complicated financial products that are sold by life insurance and other financial services companies. We are fee-only and we do not sell annuities. We help clients to review whether annuities should have a place in their wealth management planning, and if so, we make recommendations on which annuities to use. We analyze commercial annuities to help explain their features and expense components to clients.