Insights & Guides
Insurance, explained for advisors and their clients
Short, practical articles on coverage and implementation, written to keep insurance tied to the financial plan, not a sales illustration.
Disability Income
How individual disability income insurance works
How individual disability income insurance works: own-occupation, elimination periods, tax-free benefits, and the gaps group coverage leaves for high earners.
July 20, 2026
Property & Casualty
What homeowners insurance covers, and the gaps that matter
The standard HO-3 has six coverage parts, two ways of paying claims, and limits and exclusions most clients never read. Here is what it covers, and where it stops.
July 13, 2026
Business Insurance
Buy-sell and key-person coverage: funding the moment an owner leaves
Buy-sell and key-person coverage fund the moment an owner dies, becomes disabled, or exits. Here is how the structures, taxes, and the Connelly ruling fit together.
July 6, 2026
Life Insurance
How term life insurance works, and when it fits a plan
How term life insurance works: level-term lengths, conversion and renewability, why it is the most efficient coverage, and the planning needs it fits.
June 30, 2026
Property & Casualty
The umbrella gap that grows with your client's net worth
"Has an umbrella" and "has enough umbrella" are different things. For clients with meaningful net worth, the gap can be wide. Here is how it forms and what a fuller review should weigh.
June 29, 2026
Long-Term Care
Long-term care at 55: self-fund, insure, or hybrid
At 55, every long-term care option is still open. The real question for advisors is which risk a client should keep on the balance sheet and which to transfer.
June 25, 2026
Disability Income
The 60% That Isn't: What Group Disability Misses for High Earners
For high earners, "covered through work" usually means a fraction of real income once caps, excluded bonus, and taxes are counted. Here is how to size the gap.
June 15, 2026
Life Insurance
Term or Permanent Life Insurance: Start With What the Plan Requires
The term-versus-permanent debate starts in the wrong place. Define the coverage need from the financial plan first, then match the product to the exposure, weighing cost, timing, and suitability.
June 9, 2026