Risk Management

Protect What You've Worked Hard to Earn

Part of thinking about your future financial security is planning for the unexpected. For those of us who are not insurance experts, figuring out what coverage you need, or where to get it, can be complex and confusing!

In life we insure almost everything that we have from our house, cars, and sometimes even our cell phones. Yet sometimes we forget to protect the thing we love most: our families.

Life insurance can provide great peace of mind, knowing that if tragedy were ever to occur, your loved ones would be taken care of.

At Cornerstone we believe life insurance is an essential part of financial planning. Because every person's financial situation is unique, life insurance options must be analyzed individually.

Questions You May be Asking About Risk

Would my significant other be able to pay for our mortgage, cars, college, daycare, healthcare, and other funeral expenses if I were to pass away?

Do I need to provide my family with income replacement to cover our expenses if I were to pass away while I'm still in my working years?

Should my family pay for our funerals out of our assets, or should we have permanent insurance with the potential for accumulating cash value over time to pay for our funerals?

Should my business partner and I buy insurance on each other to buy each other out if one of us were to pass away?

What happens to my monthly income if I were to become disabled?

Do I need guaranteed lifetime income that would prevent me from drawing on other assets if the market were to experience a significant crash?

Protect Yourself. Protect Your Wealth. Protect Your Family.

Term Life Insurance

Term life insurance is the lowest cost way to purchase the highest amount of life insurance coverage, providing insurance for a specified amount of time (for example, your working years).

Permanent Life Insurance

This provides insurance coverage for your entire life, and may also offer the ability to grow cash value that can be used for retirement or borrowed against.

Market Hedge Strategies

These solutions help to insulate clients from a market correction, particularly if you’re drawing on assets in retirement.

Annuity / Guaranteed

Annuities can be an effective protection strategy with the capability to design your own lifetime income stream in the future.

Disability / Long-Term Care Insurance

Anticipating future health needs is an essential part of protecting your assets, and in many cases a policy for disability and long-term care is appropriate.

Are You Ready for a Better Approach to Wealth Management?

Get in touch with us today.

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