Risk Management & Insurance Planning Managing the risks that can threaten your financial well-being is every bit as important as saving and investing toward your goals. Selecting the right insurance is a critical element of any comprehensive financial plan. As your circumstances change, so do your needs. We review our clients’ entire portfolio regularly to help minimize risk and maximize security. We provide solutions from the country’s strongest and most trusted insurance companies. Whether you are looking for guaranteed death benefit protection, low-cost coverage or consistently strong cash value accumulation potential, Creative Financial Strategies has a solution to meet your needs. Our broad range of insurance choices include: Life Insurance Life insurance serves as the basic building block of any solid financial plan. It provides financial protection for your family or your business in the event of your premature death. Whether it is term life, permanent life or a more complex policy, we have the solutions to help protect you and your family. Disability Income Insurance In order to maintain your standard of living, it is critical to protect your ability to earn an income. Individual disability income insurance helps preserve a portion of your income and provides financial protection if you become disabled for an extended period of time. Long-Term Care Insurance As health care costs continue to rise, a long-term illness can have devastating effects on your savings. Long-term care insurance delivers financial resources that help cover the cost of long-term care you might need in the event of an illness, accident as a result of the normal effects of aging. Annuities During periods of stock market volatility, it’s nice to know you have a stable source of income to help you through it. Annuities are the financial equivalent of a backstop to guarantee a portion of your retirement income. Guarantees are based upon the claims paying ability of the issuing company. Home, Auto & Umbrella Liability Insurance* Homeowners and auto insurance offer liability protection, but only up to policy limits. Umbrella insurance provides additional liability coverage beyond those policy limits. That added protection could mean the difference between preserving and losing all of your assets.*Auto and Home insurance offered by unaffiliated insurers.