With over 50 years of combined experience in the insurance field we are able to negotiate with insurance underwriters to obtain the lowest cost coverage for our clients. As an independent agency representing over 30 Life, Long term care, and Disability income insurance companies, we analyze and compare policies from multiple companies to arrive our recommendations. To determine the optimal coverage amount, we utilize an in-depth, needs analysis approach. Our firm offers the following insurance products:

  • Life
  • Disability income
  • Long term care
  • Annuities (fixed,  index, and immediate)

Life Insurance Policy Review

Life insurance is an asset class just like mutual funds, stocks, and bonds. Unfortunately, most people place their policies in a dresser drawer after it’s initial purchase. They rarely if ever conduct annual reviews. Considering the financial market changes that have occurred over the last 5 years, it is critical that clients have their policies reviewed to ensure cost and benefit optimization. Too often during our reviews we discover that new clients are overpaying and/or maintaining policies that are ill suited for their planning needs and risk profiles. Our policy review process can help accomplish the following goals:

  • Price comparison with 30 other carriers
  • Analysis of your current policy
  • Suggestions on how to minimize cost
  • Suggestions on how to maximize its benefit

Substandard Risk:

One of our specialities is helping individuals who have had difficulty qualifying for coverage obtain coverage at affordable rates. We are able to accomplish this by utilizing our hands on experience and tapping key underwriting relationships with each carrier.

*Wealth Innovations, LLC and it’s associates are licensed as independent agents to offer fixed and/or traditional insurance services through a variety of third party insurance carriers.