Insurance Strategies

Insurance strategies come in many forms and types. It is our goal to implement and maintain a strategy not only to meet fundamental needs but also for sophisticated asset allocation strategies. A well-designed life insurance strategy will not only consider the importance of death benefit protection and the tax-advantaged cash value accumulation potential of permanent life insurance, but also the role of life insurance in legacy planning and wealth preservation for multiple generations.

We routinely perform an insurance analysis as a service to our clients. The process includes analyzing your current insurance strategy, surveying the marketplace, and assessing any adjustments that may be appropriate and suitable to help you optimize your insurance portfolio. Engaging our clients in this process can help assure that goals are met.

We assist in examining current insurance issues and selecting the appropriate risk management strategy. In addition to permanent life insurance and term life insurance, we can offer individual disability income insurance to help our clients protect against the loss of income due to disability and individual long-term care insurance coverage to address the financial strains of assisted living/nursing home arrangements in the event of a need for long-term care. 

Fixed insurance products and services offered through Van Horn Financial Services.