Insurance Planning

Risk management is one of the cornerstones of financial planning and a specialty of Gayle Lob Financial Strategies.  Our CERTIFIED FINANCIAL PLANNER™ Professionals develop innovative insurance solutions which help clients mitigate the effects that death, disability and long term illness can have upon a family.  As independent agents, we evaluate multiple carriers to offer our clients the best, most highly rated and cost effective coverages possible.

We ask difficult questions that no one likes to think about; when you have loved ones to protect, you need to consider them.  For example:

In the event of your premature death:
• Will your mortgage be paid off?
• Is your education plan fully funded?
• Will your family be able to replace your income?
• Have your final expenses been funded?
• Will there be an estate tax liability?

If you are disabled and unable to work:
• Can you protect your family in the event of illness or accident? 
• Is your existing disability plan adequate?

If you are unable to care for yourself:
• To what extent do you want to depend on family members for care?
• Is long term care insurance a wise and affordable option?
• Are there any other alternatives?