risk management strategies

At Wealth Management Advisors our unique fee-only approach to insurance provides a welcome break from the biased, high pressure, commission driven culture of the insurance industry. We then develop a plan to put in place the appropriate coverage, reduce your costs (including eliminating or drastically reducing commissions on life insurance where possible and appropriate) and provide ongoing review and management of the policies.

Our advisors provide an unbiased analysis of your risk exposures and your coverage.

The ongoing review and management is a key, and typically neglected, aspect of insurance. Risks change, opportunities change, your life changes. Home, auto and other property and casualty policies need to be appropriately matched on an ongoing basis to the changing value of what they insure.

New policy structures and pricing become available. Life insurance premiums, cash values and dividends need to be managed over time to maximize the policy’s value, ensure policy viability while keeping premiums as low as possible and necessary to achieve the goals of your plan.

We help you mitigate financial risks through proper management of your overall insurance portfolio.


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