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Insurance Planning

Risk management, or guarding against financial uncertainty, is a critical first step in sound financial planning. Quartz Financial provides families and businesses with many options for fixed and variable insurance products, including:

  • Term life

  • Whole life

  • Universal life

  • Variable Life

  • Variable Universal Life

  • Long-Term-Care

  • Disability

Properly designed life insurance strategies can complement traditional portfolio management and provide unique planning opportunities.

Our Perspective On Your Insurance Needs

  • The decisions of ‘how much insurance’ or ‘what type of insurance’ is right for you will be made within context of your overall financial and investment plans.

  • We utilize an open architecture platform and work with over 40 insurance companies which allow us to offer clients the resources and tools best suited to their particular needs.

    • Top-rated, financially strong carriers

    • Access to carriers with high jumbo retention limits

    • No MIB reporting on tentative offers

    • Protect client privacy

    • Reduced processing time

Insurance Reviews

The only constant in life is change. When it comes to changing life insurance needs, it’s important to make sure your coverage meets your needs. A simple review can provide assurance you have the financial protection you need, with a process similar to reviewing your investment portfolio tracking performance against objectives.

Older policies may not have earned as high a return as originally projected, which may decrease the cash in the contract and increase your total cost of insurance deductions, accelerating the decline of your remaining cash value. The end result may well be that your policy will implode, terminating your coverage.

Changing life events in families can also trigger the need for a life insurance policy review, including retirement, changes in marital status, becoming a parent, job changes, and more. If these or other life events have occurred since you purchased your life insurance policy, now is the time for you to gain insight into your current life insurance needs.

The Life Assurance Audit service can assist you in monitoring the performance of your life insurance coverage. In the event that your policy is not meeting your needs, we can review alternatives.

Call us today to schedule a private consultation and to begin the review process.