Insurance

Risk protection is at the core of any effective financial plan. To achieve your financial goals, you not only have to accumulate assets, you have to minimize risks that could threaten your financial strategy.

At Aspire, we use a wide range of tools and tactics to minimize risk. As with anything we do, the strategies we implement are based on our clients' unique needs and goals. What is right for another client may not be right for you.


Here is a sampling of some types of insurance and risk management vehicles that we may implement for our clients:

At Aspire, we use a wide range of tools and tactics to minimize risk. As with anything we do, the strategies we implement are based on our clients' unique needs and goals. What is right for another client may not be right for you.


Here is a sampling of some types of insurance and risk management vehicles that we may implement for our clients:

Life Insurance


It may not be pleasant to think about your death, but it's an important step in the financial planning process. Death could impact your loved ones not only emotionally, but financially. That's especially true if you have family who depend on you for financial support.


Life insurance can be an effective way to provide your loved ones with financial support after you pass away. You can use life insurance to help your beneficiaries achieve things like:


  • Maintaining their standard of living
  • Paying off debt
  • Funding long-term goals like retirement or college
  • Supporting a family business
  • Funding a trust
  • Giving to a favorite charity
  • And more


There are many different types of life insurance with a variety of features and benefits. Premiums are dictated by many different factors, including your age, health, and the type of policy you're purchasing.


Our goal is to help you find the right type of protection for your needs at a price point in your budget.

Long-Term Care Insurance


Long-term care (LTC) is an inevitability for many Americans. LTC is extended care or assistance with daily living activities, like bathing, eating, getting dressed, and mobility. It's often caused by cognitive issues like Alzheimer's, but can be caused by a wide range of medial challenges.


According to the Department of Health and Human Services, someone turning 65 today has a 70% chance of needing LTC. On average, women need LTC for 3.7 years in retirement, while men need it for 2.2 years.


As you can imagine, that level of care for months or even years can be costly. Long-term care insurance is a possible strategy to offset the cost and to protect your assets.


With LTC insurance, you pay a premium, either in installments or a lump-sum, and in return, an insurance company pays some or all of your LTC costs should you ever need it.


Like life insurance, there are many types and varieties of LTC insurance. Some policies cover in-home care and even home modifications. Some are coupled with life insurance so that if you don't need LTC, you can leave the benefit amount for your loved ones after you pass away. Some policies are designed for couples, so that either individual can use the benefit.


Again, like life insurance, the cost of LTC insurance depends on your age and health, as well as specific of the policy. Our role is to find the right protection for your needs and budget. There's no one policy that is universally correct for everyone. It depends on your unique goals and needs.

Disability Insurance



Did you know that just over 25% of today's 20-year-olds will face long-term disability at some point in their careers? Disability is a dangerous threat. It can disrupt your employment and income, threatening your financial stability.


Disability insurance minimizes the threat by providing supplemental income. You pay a regular premium and then, if you ever become disabled, your insurance policy provides a portion of your salary as income. The amount of benefit you receive depends on your specific policy.


Many employers offer disability insurance, but that coverage often has limitations that may not fully meet your specific policy.


Many employers offer disability insurance, but that coverage often has limitations that may not fully meet your needs. If you are a business owner or self-employed, disability can be an even more significant risk.


Risk is a fact of life for everyone, but that doesn't mean you can't take action to minimize the threat. At Aspire, our job is to help you implement strategies that reduce risk and maximize your ability to reach your financial goals. Let's connect today and start the conversation.

At Aspire, we use a wide range of tools and tactics to minimize risk. As with anything we do, the strategies we implement are based on our clients' unique needs and goals. What is right for another client may not be right for you.


Here is a sampling of some types of insurance and risk management vehicles that we may implement for our clients:

It may not be pleasant to think about your death, but it's an important step in the financial planning process. Death could impact your loved ones not only emotionally, but financially. That's especially true if you have family who depend on you for financial support.


Life insurance can be an effective way to provide your loved ones with financial support after you pass away. You can use life insurance to help your beneficiaries achieve things like:

  • Maintaining their standard of living
  • Paying off debt
  • Funding long-term goals like retirement or college
  • Supporting a family business
  • Funding a trust
  • Giving to a favorite charity
  • And more

There are many different types of life insurance with a variety of features and benefits. Premiums are dictated by many different factors, including your age, health, and the type of policy you're purchasing.


Our goal is to help you find the right type of protection for your needs at a price point in your budget.

Long-term care (LTC) is an inevitability for many Americans. LTC is extended care or assistance with daily living activities, like bathing, eating, getting dressed, and mobility. It's often caused by cognitive issues like Alzheimer's, but can be caused by a wide range of medial challenges.


According to the Department of Health and Human Services, someone turning 65 today has a 70% chance of needing LTC. On average, women need LTC for 3.7 years in retirement, while men need it for 2.2 years.


As you can imagine, that level of care for months or even years can be costly. Long-term care insurance is a possible strategy to offset the cost and to protect your assets.


With LTC insurance, you pay a premium, either in installments or a lump-sum, and in return, an insurance company pays some or all of your LTC costs should you ever need it.


Like life insurance, there are many types and varieties of LTC insurance. Some policies cover in-home care and even home modifications. Some are coupled with life insurance so that if you don't need LTC, you can leave the benefit amount for your loved ones after you pass away. Some policies are designed for couples, so that either individual can use the benefit.


Again, like life insurance, the cost of LTC insurance depends on your age and health, as well as specific of the policy. Our role is to find the right protection for your needs and budget. There's no one policy that is universally correct for everyone. It depends on your unique goals and needs.

Did you know that just over 25% of today's 20-year-olds will face long-term disability at some point in their careers? Disability is a dangerous threat. It can disrupt your employment and income, threatening your financial stability.


Disability insurance minimizes the threat by providing supplemental income. You pay a regular premium and then, if you ever become disabled, your insurance policy provides a portion of your salary as income. The amount of benefit you receive depends on your specific policy.


Many employers offer disability insurance, but that coverage often has limitations that may not fully meet your specific policy.


Many employers offer disability insurance, but that coverage often has limitations that may not fully meet your needs. If you are a business owner or self-employed, disability can be an even more significant risk.


Risk is a fact of life for everyone, but that doesn't mean you can't take action to minimize the threat. At Aspire, our job is to help you implement strategies that reduce risk and maximize your ability to reach your financial goals. Let's connect today and start the conversation.

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