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Anticipate Change… Navigate Risks… Insure Smarter.
The business world is changing at light speed. So are the risks. That’s why being at the top in business and life is about tomorrow, not today. And why you expect your insurance advisor to anticipate change. We’ve built this risk management firm by helping businesses and individuals anticipate change, navigate risk, and insure smarter. Our longstanding reputation as an industry leader is founded on an unwavering commitment to serve our customers with integrity, professionalism and creativity in everything that we do.
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Recent Healthcare Reform
With the current hysteria surrounding health care reform, it is important to note that the cost of healthcare is where the underlying need for reform exists. This significant issue for businesses, employees, and health insurers is continuing to grow. In 2008 alone, national spending on health care reached $2.3 Trillion ... Read more...
Life Insurance Bridges the Gap
Conventional wisdom says that most people need life insurance only during their working years to provide for their families in the event of a premature death. The thought was that by retirement, they had paid off their mortgage and accumulated sufficient wealth and sources of income to self insure ... Read more...
A Business Continuation Plan
Did you know that 56% of small to midsize firms are not protected if an owner, partner or key executive dies, and 70% of them would be vulnerable if one of them were to become disabled? Where would you get the funds to purchase their share of the company? ... Read more...
A predictable asset for unpredictable times
A predictable asset for unpredictable times. Those of us who have more money then we will spend will pass the excess on to others at death. Efficiently passing on assets left at death can be challenging, especially when future values of assets and the state of the markets ... Read more...
Pension Protection Act
The Pension Protection Act of 2006 allows for new opportunities to fund Long Term Care Insurance. The new legislation stipulates that the use of non-qualified annuity money to pay for Long Term Care insurance premiums can be tax-free. According to the U.S. Bureau of Health and Human Services, ... Read more...
Tips For Lowering Your California Worker’s Compensation
In recent years, California employers have experienced a roller-coaster ride in workers compensation premiums. With rates heading upward, it is important to know that individual carriers can offer significantly different rates for the same class codes. Don’t just settle for your renewal quote. A good insurance ... Read more...