Insurance Planning
Protecting what you’re building
Life rarely goes exactly according to plan. Changes in health, family, income, business, or other unexpected events can affect the financial goals you’ve worked hard to build.
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Insurance planning can help protect your income, assets, family, and business against risks that could otherwise disrupt your financial plans. CPA Allies helps professionals, business owners, and families evaluate insurance needs as part of their broader financial strategy.
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For women particularly women professionals, women business owners, and women who own or lead CPA and accounting firms—insurance planning can play an important role in protecting personal wealth, business interests, income, and long-term financial goals.
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We consider how insurance fits within your overall financial plan, including income protection, life insurance, long-term care, business continuity, and other potential risks. The goal is not simply to have insurance, but to make sure your coverage supports the financial priorities you’re working toward.
Why Insurance Planning Is Important
Without proper planning, be it Investment Planning, Retirement Planning, or Estate Planning, you’ll likely not invest successfully, retire comfortably, or leave a meaningful legacy for your beneficiaries. And without a well-thought-out Insurance Plan, every one of those facets of a financial plan could be exposed to unforeseen risks.
Good planning helps you identify and plan for all the risks involved in every aspect of your financial life. Thoughtful Insurance Planning helps mitigate the risks you can’t foresee or those that you are unable to plan around!
What We Can Do For You
They say that some things are better to have BEFORE the need is felt – even if they are NEVER ever used. Insurance is one of those things. Rather than seeing insurance as an “expense”, most people experience it as peace of mind. That’s the essence of our Insurance Planning service.
Comprehensive Review
We’ll review existing plans, if you have them, to ensure they continue to fit your needs. But if you don’t have an insurance plan, we’re here to advise and guide you on which plans make best sense for you and your family.
Home, Car and other asset insurance
It is our belief that you shouldn’t over-insure, but you should never un-insure or under-insure either. The type (and value) of your home, car and other assets will determine what insurance, and how much of it, you should buy.
Death-event security
If you have people that depend upon you being around for many years to come, like your spouse/partner, minor children, aged parents, we’ll advise on what life insurance policies best meet your needs.
Retirement income through annuities
Sometimes, the best way to guarantee retirement income is the simplest – Annuities. Of course, these products vary in terms and pay-out options and conditions. Our experts will help make sense of it all!
Critical illness protection
You may be in the best of health now, but illness has a way of sneaking up on the fittest amongst us. Let us help you determine if you need to insure against a critical illness and, if so, under what terms.
Disability and long-term care protection
Accidents, at home, at work, during your commute, can leave you severely disabled and financially stressed. As can debilitating illness! We’ll help you insure against such unexpected turn of events.
Travel insurance
Sometimes, even the safest of travel plans can turn into nightmares. Whether it’s an illness or accident overseas, a missed flight, lost baggage or natural disasters that interrupt your plans – if you are insured, you’ll likely be less stressed about dealing with the consequences.
Health, dental and wellness insurance
With family and personal medical care becoming more expensive by the day, it may be prudent to cover yourself and your family through appropriate health insurance plans.
Funding children’s education
While your children are young, insuring their lives can make long-term sense, especially for future college expenses. A few hundred dollars in monthly premiums now could lead to a significant payout by the time they're ready for college. We’ll help you determine if this option is right for you by crunching the numbers!