A CONTINUOUS PROCESSRisk Management Tools
Our Risk Management strategies and platforms involve the continuing process of identifying, analyzing, evaluating, and treating loss exposures; as well as the monitoring of risk control and financial resources to mitigate adverse effects of loss.
Life Insurance
No person is completely immune to the risks of everyday life. Insurance, when used and applied correctly, can be an essential mechanism to manage risk. Life insurance is the final loving act. Have you ever thought of what it can mean to your family’s future? Please view this powerful explanation provided by one of our many carriers to truly understand the power of life coverage. ( Insert the video here.)
There is no question that life insurance is an important form of protection. Life as well as business can often take sudden and unexpected turns. Obtaining life insurance offers stability and peace of mind which is so very important.
Life insurance can create wealth! Build your legacy by obtaining a Maximum Funded Tax Advantaged Life Contract. This is a cash-building machine offering better market growth, asset protection as well as tax-free income and tax-free distributions.
Life insurance as it is currently marketed is the most undersold and unappreciated commodity in the marketplace. What would the loss of your life mean? And the potential earnings of your life, to your family? What is your full human life value?
Life insurance is not only used for end-of-life planning for individuals and families. We understand that insurance should mirror the full human life value of lawsuits. Because properly settled lawsuits insure full human life value. Life Insurance is a versatile tool for businesses of all sizes, and in many cases may be written off by the company as bonus compensation. (IRC. section 162(a)1)
A well-planned Private Reserve Strategy offers a business owner access to cash to help the business weather uncertain economic challenges. It can function as a valuable benefit to attract and retain top talent; functions not only as protection of the organization and owners but can be used as a pension alternative, providing a tax-free revenue stream for retirement.
Human Life Value
Life Insurance for Business
Disability Coverage
Many people have thought their most important assets were their homes, cars, and/or businesses. Because of this thinking they have insured them, and often times “over” insured them! However, we know your most important asset is your continuous ability to earn an income. Without it being insured, every other asset is in constant and continual jeopardy.
Key Person Coverage
Every business owner in today’s marketplace is seeking an advantage. The greatest advantage lies in the quality of the people on your team. Building a great team requires many things, the most significant is the ability to RETAIN them once recruited. This is accomplished when you are able to identify and appropriately reward your KEY employees.
Businesses can suffer from a key employee’s death in very specific ways. One is the loss of the person’s management skill and experience. Others may be disruptions with clients, credit difficulties, and increased expenses associated with hiring and training a key person’s replacement. Key Person life insurance covers the life of an employee who is critical to the success and profitability of a business. The policy is purchased by the business, which is also the beneficiary.
In addition the cash value build-up can act as Deferred Compensation to the worker who stays with the company.
Group Benefits
One of the great morale boosters of the 21st century is the advent of group benefits. This includes everything from retirement planning, healthcare, life, disability, etc. When employees have a complete benefits package, they are more productive, creative, and innovative as comprehensive areas of protection are met. We would love to introduce you and your firm to Wealth Steps™, our benefits, and our business education platform.
Effective Business Coverage
You’ve heard the phrase “don’t leave home without it”. Many businesses have no idea of the degree of exposure they operate in the day-to-day. Start your Risk Management process today!
Have you considered coverage for the following?
F.A.Q.
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Please note that we cannot help our clients raise capital. This is a service that is heavily regulated. In general, only brokers licensed with the Financial Industry Regulatory Authority (FINRA) can legally offer this type of service. Please make sure that any “finder” you talk to is properly licensed with FINRA before you hire them. Podcasting operational change management inside of workflows to establish a framework. Taking seamless key performance indicators offline.
We help entrepreneurs get ready to raise capital. This usually consists of some or all of the following services.
Please note that we cannot help our clients raise capital. This is a service that is heavily regulated. In general, only brokers licensed with the Financial Industry Regulatory Authority (FINRA) can legally offer this type of service. Please make sure that any “finder” you talk to is properly licensed with FINRA before you hire them.
- Business plan development
- Financial forecast development
- Pitch deck (investor presentation) preparation
- Strategy development
- Market research and analysis
- Competitor research and analysis
- Financial analysis
- General coaching and advisory services
- Capital formation strategy
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