Insurance Planning

COVERAGE FOR LIFE’S UNCERTAINTIES

Insurance Strategies Built Around You

Life is unpredictable, but your financial future doesn’t have to be. The right insurance plan helps protect your family, income, and long-term goals—ensuring that unexpected events don’t derail what you’ve worked hard to build. At Financial Strategies Group, we provide comprehensive insurance planning that aligns with your personal and business needs, helping you prepare for tomorrow with confidence.

Speak with an Advisor
A hand is holding a heart with a check mark on it.

Term Life Insurance

Designed for flexibility and affordability, term life insurance provides financial support for your family when they need it most. Whether covering everyday expenses, paying off debt, or securing a child's education, this plan ensures stability during critical years.

A pair of hands holding a shield with a check mark on it.

Permanent Life Insurance

Permanent life insurance offers lifelong coverage with the added benefit of potential cash value growth. Options like universal, whole, and variable life policies can support long-term financial planning, with variable policies offering investment potential tied to market performance.

A black and white drawing of a person with their arms outstretched.

Long-Term Care Insurance

The cost of extended care can be overwhelming. Long-term care insurance helps you plan for the future, covering essential services like in-home assistance or nursing care while easing the financial and emotional burden on your loved ones.

A black and white drawing of a rocking chair and a dollar sign.

Disability Insurance

Your ability to earn an income is one of your greatest assets. Disability insurance offers protection if illness or injury affects your ability to work, ensuring you can maintain your financial commitments without added stress.

FREQUENTLY ASKED QUESTIONS

Get Clarity on Our Services

  • What types of insurance should I consider for comprehensive coverage?

    Comprehensive insurance planning typically includes life insurance, health insurance, disability insurance, property and casualty insurance (such as homeowners or auto insurance), and liability insurance. Each type addresses different risks and contributes to a well-rounded risk management strategy.

  • How much life insurance coverage do I need?

    The amount of life insurance needed varies based on factors like income, debts, lifestyle, and future financial obligations. A common approach is to have coverage equal to 10-15 times your annual income, but it's best to consult with an insurance advisor to determine the appropriate amount for your specific situation.

  • What is the difference between term and whole life insurance?

    Term life insurance provides coverage for a specified period (e.g., 10, 20, or 30 years) and is generally more affordable. Whole life insurance offers lifelong coverage with a cash value component that grows over time, but it comes with higher premiums. The choice depends on your coverage needs and financial goals.

  • How can insurance planning benefit my estate planning?

    Insurance planning can ensure that your beneficiaries receive financial support without the delays of probate. Life insurance proceeds can cover estate taxes, debts, and provide liquidity, preserving other assets for your heirs. It's a vital component of a comprehensive estate plan.

Let’s Build Your Insurance Plan Today

Contact Us