Insurance Planning
Life insurance planning
Plan with Confidence
The right policy replaces income, retires debt, and funds goals like education. We review existing coverage—employer plans, term, or permanent policies—to confirm cost, beneficiaries, and fit. For broader risk context, see how this integrates with
asset protection across your plan.
Protecting Income and Assets
Safeguarding what you’ve built means planning for risks that could disrupt your finances or burden your family. We review coverage and strategies that protect both your earnings and your wealth.
01
Disability insurance
Your income powers every goal. We analyze employer benefits, waiting periods, and coverage percentages, and recommend supplemental policies when gaps exist—especially for professionals whose budgets depend on steady earnings.
02
Long-term care and health
We evaluate long-term care insurance options or set aside assets to fund potential care. The aim is to protect retirement cash flow and reduce the burden on family without over-insuring.
03
Liability and umbrella
Auto and homeowners policies set the base; an umbrella policy can add millions in liability protection for a modest premium. We review limits and alignment with your net worth and exposures.
Insurance policy reviews
Policies should evolve with life. During reviews, we assess costs, riders, ownership, and beneficiary designations, coordinating with estate planning needs when liquidity or equalization for heirs is a goal.
Independent, fiduciary advice
Peterson Row provides objective guidance first—helping you determine what to keep, change, or purchase so coverage supports your goals inside comprehensive financial planning.
Next steps
If you’re unsure whether your policies still fit your life, let’s review them together and bring coverage up to date.
