Clear communication is a key ingredient in the success of any employee benefit, life insurance or estate plan. By listening to our clients and developing strong relationships, we create customized strategic plans that include products and solutions to ensure that there is confidence that the correct decision is being made.
Health Insurance
Ask any employer what they think about health insurance and you are very likely to get a very predictable and short response…”It’s too expensive.”
Disability Insurance
As a result, during the past three years, as awareness of our human fragility has come into focus, I have received more than my fair share of calls from individuals facing the real or perceived prospect of disability without the protection of adequate disability insurance. They are very discouraged when they contact our office to secure disability insurance only to learn that, since they are no longer healthy, they are no longer insurable.
Long Term Care
5. Clients want clarity and confidence. A question we like to ask is this: if a death, disability, or long-term care need occurs, what do you want to happen? The process works best when the client has a functioning financial advisory team. In addition to TBG, there is an estate planning attorney, CPA and wealth advisor involved. This way all the moving parts can be coordinated, and surprises minimized. A best practice is to have a periodic visit with the team and have them review the current plan.