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Insurance Services

Growing your wealth is a priority, but protecting and preserving your assets is equally important.  Wherever you are in life’s journey, it’s crucial to understand the ramifications of sudden changes and ensure the continued protection of you and your loved ones.  At Life Planning Group, we manage risk from a personal and a business perspective.  Our resident experts will perform a comprehensive review of your insurance needs to protect against potentially catastrophic risks.

By executing full audits of your existing insurance portfolio, our professionals will ensure you have the proper coverage and asset protection structures in place.  We will work closely with your insurance agent to provide an independent and objective evaluation of your risk management program.

Life Insurance

  • Single Life Policies
  • Survivorship Life Policies
  • Term Insurance
  • Corporate Paid Life Insurance

Life Insurance Policy Audit

Consider a Life Insurance Portfolio Analysis when:

  • Need for life insurance has increased or decreased
  • Low crediting rates have affected policy performance
  • Premiums or premium payments have increased
  • Health has improved, qualifying you for a better rating
  • Family or business situation has changed
  • Loans, withdrawals or other changes have affected policy performance
  • Policy premiums have not been paid as planned

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Survivor Needs Evaluation Services

Family Survivor Needs Discovery Process

  • Every family situation is unique.  For all families, however, the untimely death of a parent is a dark, emotional tsunami.  In order for a family to survive and recover, it is critically important for children to remain in their home, keep their friends, go to the same school, and receive the love, care, and support of family and friends.  For all this to happen, the family will need money.
  • Jim and Jonathan will meet with you to discuss the life you want for your family – whether you are here or not.  We will gather all relevant information needed to evaluate your family situation.

The Strategic Design

  • We will create a customized Survivor Needs Model that will allow you to see the financial situation your spouse could face.
  • We will prepare recommendations and a life insurance analysis that will address your family financial needs.

The Action Blueprint

  • Jim and Jonathan will review with you the various alternatives with recommendations on the life insurance plan that will provide you with the best results.
  • Once you decide upon the appropriate life insurance plan, we will work with you to implement the program in a timely, professional, and hassle-free manner.

Additional Unique Support Services

  • Jim and Jonathan will discuss estate planning topics, such as the importance of a Will, Health Care proxy, Durable Power of Attorney, Business Succession Planning, etc.  If needed, we will recommend an attorney to assist you to implement any legal documents appropriate to meet your planning objectives.
  • We will provide monthly e-information on the world of insurance and finance.
  • We will periodically repeat The LPG Process to assure your life insurance is meaningful and aligned with your family vision.

Group Benefits

  • Group Life Insurance
  • Group Dental Insurance
  • Group Health Insurance
  • Short Term Disability
  • Long Term Disability
  • Voluntary Employee Benefits

Long Term Care Insurance

  • Individual Long Term Care
  • NYS Partnership Long Term Care
  • Group Long Term Care