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Insurance Services

Life — and retirement — can present many unknowns. Major changes occur over a lifetime, including marriage, births, illness, and death, among others. Your employment could also likely change during your career, causing shifts in your insurance coverage.

To help ensure coverage and peace of mind for all those “what ifs,” CLP Financial can review your existing insurance policies and provide recommendations for your various coverage options, including life insurance and long-term care.

Why Insurance Should Be an Important Part of Your Financial Plan
As we put together your holistic financial plan and understand your unique goals and needs, our team of advisors can help identify potential gaps and determine if you are over- or under-insured. Based on your needs, we can help you determine insurance options.

How Much Insurance Do You Need?
As changes occur in your career or family, you will be faced with decisions about your coverage. We can help you answer those critical questions, such as:

  • Is my employer-provided life insurance enough, or should I buy more?
  • What are the tax benefits of buying an insurance policy?
  • How can I save money without sacrificing coverage?
  • Does this policy include protection against inflation?
  • Will insurance premiums go up? If so, what options do I have to pay for those rising costs?
  • Does my long-term care insurance policy provide comprehensive benefits for both home care and nursing home care?

Evaluate Your Insurance Coverage
Would you benefit from a review of your insurance coverage and needs as it relates to your holistic financial picture?