Insurance Planning & Solutions
Life throws curveballs. Let’s make sure you’re covered.
You’re building something special, and we’re here to help you protect it. From growing your business to securing your family’s future, let’s make sure you’re set for the long haul.
- Keep your business running smoothly
- Maintain your family’s lifestyle
- Get the peace of mind you deserve
Personalized Insurance Solutions
Life’s biggest moments call for the right protection. Whether you’re starting a business or welcoming a new family member, we’ll help you build the insurance package to match your evolving needs.
Life Insurance for Individuals
Secure your family’s future and finances. Whether you’re seeking lifelong protection, flexible coverage, or affordable temporary options, we’ll help you choose the right solution for your needs.
Life Insurance for Business Owners
From key person insurance to buy-sell agreements, we offer solutions to protect your company’s assets, ensure smooth transitions, and provide security for your employees.
Disability Insurance
Protect your income or your business, even if an unexpected illness or injury prevents you from working. We can help you build a policy that provides financial security and stability.
Comprehensive Planning for Every Stage of Life
Planning for the future shouldn’t be stressful. We offer compassionate guidance to address your unique needs and provide peace of mind, knowing you’re prepared for whatever life brings.
Long-Term Care Planning
Proactively plan for extended care, whether at home or in a facility, to maintain your stability. We guide you through traditional and hybrid insurance options that combine life insurance for added protection.
Special Needs Planning
Secure your loved one’s future with specialized financial planning. We help you navigate Special Needs Trusts (SNTs) and address long-term care needs for their protection and wellbeing.
Estate Planning
Use life insurance as a strategic tool in your estate plan. We can build strategies to potentially reduce estate taxes, provide liquidity to cover taxes, and distribute your assets according to your wishes.
Life Insurance & Wealth Planning Under One Roof
At SC&H, we believe that insurance shouldn’t be separate from your wealth plan. That’s why we bring insurance, tax, and wealth planning under one roof. This means your insurance works harmoniously with your retirement and savings goals, giving you less stress and a stronger plan for your future.
Why You’ll Love Working with SC&H
Your whole financial picture, in one place
No more juggling different advisors – your dedicated team of finance, tax, and insurance advisors work together to meet your goals. For you, that means less back-and-forth and better peace of mind.
Personalized support every step of the way
We listen intently, answer your questions quickly, and always put your best interests first. Because when it comes to your future, you deserve more than just a one-size-fits-all approach.
We work for you, not the insurance company
We’re not tied to any specific insurance provider, so you get unbiased advice that you can trust. And we’ll negotiate to get you the right insurance solution.
Let’s Chat About Your Insurance Needs
Navigating the complexities of insurance and long-term care planning requires a personalized approach. We’re here to help you protect what matters most.
Meet with DaveLife Insurance & Long-Term Care FAQs
While it’s great that you’re young and healthy, that’s precisely the right time to secure coverage. Premiums are typically lower when you’re younger and healthier, and you’ll have peace of mind knowing you’re protected for the future. Life events and health conditions can change unexpectedly, so proactive planning is wise.
Insurance is an investment in your future and the well-being of your loved ones. We understand that cost is a consideration, and we work with you to find solutions that fit your budget. The cost of not having adequate coverage can be far greater in the long run. We can help you understand the potential financial impact of unexpected events.
Yes, you can. While some pre-existing conditions may affect your premiums or coverage, we work with a variety of insurers to find options that suit your needs.
Even in small businesses, the loss of a key employee, including yourself, can have a significant impact. Key person insurance isn’t just for large corporations. It protects against the loss of specialized knowledge, client relationships, or operational experience that are vital to your business’s success. Think of it as protecting your business’s most valuable assets – its people.
The earlier, the better. Ideally, you should start planning in your 50s or early 60s, as premiums tend to increase with age and health conditions.
Traditional long-term care policies were known for their “use it or lose it” approach – if you never needed the benefits, they were essentially lost. But we have more creative options today with hybrid long-term care policies. These plans combine the benefits of life insurance with long-term coverage. If you don’t use the long-term care benefits, your beneficiaries receive the remaining death benefit. It also offers potential tax advantages for business owners, too.
