Insurance

Using insurance to your benefit may increase your financial security.  Deciding how to use insurance or when to use insurance requires analysis and risk management. 

Risk Management

Successfully managing risk entails avoiding, reducing or insuring against it.  Risk that cannot be avoided or reduced must be insured against.  In evaluating your insurance needs and creating an effective insurance program, we take into consideration several factors.

  • Financial Security Risk  
  • Managing Risk
  • Insurance Analysis
  • Current Insurance Coverage
  • Coverage Alternatives
  • Policy Comparisons
  • Premium Comparison
  • Company Strength and Rating


    • Managing Insurance

    The objective in managing insurance is determining the appropriate coverage at the minimum price.  Years of careful capital accumulation can be wiped out by a casualty loss, medical bills, long-term disability or death of an inadequately insured wage earner.  The cost of nursing homes represent a substantial risk to a lifetime of earnings.  Moreover, just as excessive premiums can adversely affect your retirement and capital accumulation goals, so can inappropriate or unneeded forms of coverage.  Equimark's insurance management seeks to help you avoid the above situations by providing the appropriate coverage to enhance and ensure your financial security.

    Insurance Programs

    Business Insurance

    • Liability
    • Property
    • Group Life
    • Group Disability
    • Key Executive
    • Buy Sell
    • Loan Guarantee
    • Qualified Plan Insurance 

    Personal Insurance

    • Liability
    • Property and Casualty
    • Life
    • Disability
    • Long Term Care (a short e seminar is available on line)
    • Fixed Annuities
    • Variable Annuities
    • Second to Die Policies