Insurance
Protection for the people who depend on you: life, disability, and long-term care.
What We Do
Protection the Plan Rests On
Every plan assumes tomorrow looks roughly like today. Insurance is what keeps the plan standing on the days it does not. We start from the plan itself: what your family would need, for how long, and how much is already covered through work or a policy you bought years ago. Then we close the gap that is left, at the size the plan actually calls for.
Services Offered
What We Help You Cover
Coverage is built around your household and your work; these are the pieces most families review.
Life Insurance
Income for the people who depend on you, sized to what your plan would need in your absence.
Disability Income
While you are working, your paycheck is the asset everything else rests on. This is what protects it.
Long-Term Care
A plan for care costs later, made while you still have every option open to you.
Business Protection
Key person and buy-sell coverage, so the business survives the absence of an owner.
Policy Review
A look at what you already own: what it covers, what it costs, and whether it still fits.
Beneficiary Coordination
Beneficiaries and ownership reviewed against your estate documents so the paperwork matches your intentions.
How We Work
Right-Sized, Then Reviewed
Coverage bought once and filed away drifts out of step with your life. A raise, a mortgage, a new child, a business partner: each one changes the number. We review what you carry on the same schedule as the rest of your plan, and if you are paying for coverage you have outgrown, we will say so.
Craig carries the CLTC® designation for long-term care planning and the LUTCF for insurance work, so the conversation stays where it belongs: on what your family would need.