Keel Insurance
Protecting your future
Insurance planning goes well beyond the basics of life insurance. If you have an income to protect (especially a substantial one), you should also evaluate disability insurance. Part of planning for retirement and protecting your desired quality of life is considering whether long-term care insurance makes sense for you.
Medical, home, business, auto, and umbrella are just a few other insurance coverages you may want to consider (or, at least learn more about). But where do you start? There’s conflicting information everywhere and impactful decisions to make. Our team will help you navigate a customized approach.
Benefits of insurance planning
Through the planning process, Keel Financial Partners help you identify risks that could potentially derail or undermine your goals. We’ll work together to make educated decisions about mitigating these risks and evaluating your insurance needs.
Identify gaps in coverage or excess coverage
Clear direction on insurance needs
Collaborate with other professionals
Seek to optimize insurance premiums/benefits
Works in synergy with your long-term financial plan
How is Keel insurance planning different?
Through our financial planning process we analyze your existing insurance policies relative to your specific risks, and help you identify needs and potential gaps in coverage. We’re not an insurance agency and it’s not our objective to sell insurance, although, for your convenience, some of our advisors are licensed to do so.
Our team of investment advisor representatives has a fiduciary duty to you. We strive to educate and help you make the most informed decisions in everything we do. You retain discretion over implementation decisions and are under no obligation to act upon any recommendations made by Keel.
FAQs on insurance planning
Do I need personal insurance? Won’t my employer benefits cover me?
Sometimes, yes, but often your employer plan won’t provide as much as you think, or you may not qualify as employer plans can be highly restrictive.
What age should I look into long-term care insurance?
This truly depends upon your specific risks. There are many things to consider and ways to plan for potential long-term care needs. Your financial plan may reveal what the right answer is based upon your unique situation and the rest of your financial circumstances.
Due to the pace of medical advances, the long-term care landscape is rapidly changing. Not everyone benefits from having a long-term care insurance policy. Together, we will help craft a confident strategy.
What are the different types of insurance?
There are many different types of insurance, and while some are very important in certain situations, we believe insurance is not the best solution in every situation. We help clients identify their needs and risks, and some types of insurance (i.e., life insurance, disability insurance, long-term care insurance) may be an appropriate strategy, but certainly, this is not always the case.
Unsure what to insure?
That’s where we come in! Get the conversation started with us to discuss how Keel can incorporate insurance planning into your long-term financial strategy.
