Policy Reviews

Many people think their need to consider insurance is over once a purchase is made. Nothing could be further from the truth, however. As life changes, insurance needs often change also. We offer disability, life, annuity, and long-term care policy reviews for just that reason.

Ingenuity Financial Services evaluates the need for insurance coverage with all our clients as part of the planning process. Analyzing existing coverage and making recommendations for new purchases is key to appropriate risk management. We have the background to do this job well: Alan holds the Chartered Life Underwriter^® certification and has been working with insurance products for more than 30 years.  Ian was awarded the CERTIFIED FINANCIAL PLANNER^™ certification in 2015. You can count on us to know the true cost of premiums and the rate class (based on your health) you are likely to be given. These are crucial elements that can sometimes be "glossed over" in initial conversations about coverage.

If you have existing insurance coverage that you have questions about, we'll be glad to aswer them. If you are considering the purchase of a new policy, contact us. We can work with you as insurance brokers, or as your insurance advisor, to be certain your new coverage is the right fit for you and for your financial portfolio.