Risk Management

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How much insurance do you really need? Your personal, property, and liability risks are as distinct as you are. We’ll analyze them all to find where you are over – or under – insured, so you can be sure you’re effectively covered in the ways that matter most.

Risk management is the process of:

  • Identifying your risks
  • Assessing the probability of those risks occurring
  • Assessing the impact if the risks occur
  • Protecting against the consequences of loss
  • Minimizing the occurrence of perils

Together, we will:

  • Discuss your personal, property, and liability risks
  • Analyze the probability and impact of potential losses
  • Determine the amount, duration, and risks that should be insured
  • Assess all of your life insurance needs (survivors’ needs, estate liquidity, estate value enhancement)
  • Assess your living benefit insurance needs (disability, critical illness, long-term care)
  • Assess your health care insurance needs (medical, dental, travel)
  • Assess your property and casualty insurance needs (home, auto, personal liability)
  • Analyze and consider insurance product alternatives