Insurance & Annuities

insurance protection you can count on

Whether you’re an individual looking for insurance or a business owner looking to ensure a positive future for your business and employees, we’re here to serve you. We’ll assist with new cases and review and replace older policies/contracts, if appropriate.

Reasons and Benefits to Review Existing Policies

We all know nothing ever stays the same yet when it comes to life insurance needs we rarely take the time to make sure our needs are in synch with our coverage.  A simple review of your life insurance policies can provide you with the assurance you need.

An audit can determine if your current insurance coverage or annuity contract is meeting your objectives and will identify potential options if the contracts are falling short. It may be possible to eliminate the interest-rate risk with next-generation products that provide guarantees, which may allow you to lower your premiums or increase your coverage at no additional cost. Additional benefits of a tax free -1035 Exchange may include lower fee’s, improved investment options and enhanced living and death benefits.

Find out which life insurance is right for you (link to PDF) or meet with CWM today to go through our Life Review Kit. Four simple steps will help assure you that you are adequately covered to meet current and future financial needs.

Businesses

In many cases, your business represents one of the largest and most important assets that you own. And, you have different responsibilities to your business, as well as to others, such as your employees, customers and family. What will happen to your business if you retire or die? What do I need to do to attract and retain key talent?

Let us help you gain a better understanding of how proper insurance planning can help protect your business and family, improve recruitment and retention, and provide you with creative ways to reward employees. Once you have a stronger grasp of your insurance needs, we will help you develop a plan that’s right for you and your business.

Our services and recommendations include business continuation planning, individual life insurance policy, exit strategies – estate, retirement, succession and business valuation – buy-sell agreements, key person insurance, executive bonus plans and supplemental executive retirement plans (SERP), supplemental disability income insurance and long-term care insurance.

We work with LPL Insurance Associates and local subject matter specialists/independent agents to deliver insurance solutions tailored to meet the needs of your business. Download our Business Insurance Brochure for complete descriptions of each service.