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Pantheon’s Insurance Planning

Insurance planning is a crucial element within your financial plan. You must consider your risk exposure to prepare for life circumstances that are both expected and unexpected. You can reach all of your financial goals—personally and professionally—but if you haven’t covered your risk potential, your financial plan is incomplete.

Pantheon’s comprehensive financial planning can help you grow, but we also help you protect. And, you need proper risk management in place to protect you, your family, your business, and assets in the case of loss. We help you navigate those tough risk-potential scenarios to evaluate your insurance needs and to choose products to mitigate unfortunate events you may encounter in your life.

Insurance Planning Areas to Consider

  • Individual Life Insurance: If anyone relies on your income, you want to make sure they’re taken care of in the event of your premature death. College tuition, your mortgage, and any other bills can be paid for with life insurance funds.
  • Disability Insurance: If you become disabled for any reason (i.e., injury, illness), this policy helps ease that economic impact due to loss of wages.
  • Long-Term Care Insurance: Early in life, this may seem frivolous. However, if you require long-term care as you age, you’ll appreciate your foresight with this policy in place.
  • Health Insurance: Medical costs can cripple your financial freedom if you don’t have insurance to help pay for accidents, illnesses, and even routine care.
  • Medicare Supplemental Insurance Planning: This coverage helps pay costs that basic Medicare does not cover, which you’ll appreciate in retirement living on a fixed income.
  • Auto/Home and Umbrella Liability Insurance Planning: These policies are a financial lifesaver in the event of auto accidents and damage or loss to your home.

It’s easy to decide on insurance for your car and health insurance to cover illness and injury. But, life, disability, and long-term care insurance conversations may seem daunting, especially if you’re young. No one likes to think about premature death or the possibility of becoming disabled. And you don’t want to believe you’ll ever be in a position to need long-term care. However, we are all at risk for these situations. And, we need to be prepared. If life does take a turn for the worse, you deserve the peace of mind that in your time of need, your insurance policies have you and your loved ones covered.

Pantheon’s insurance planning is a process that evolves as your life does. You don’t just want to “be insured.” You want the right policies aligned with every stage of your life. And, different stages in life call for adjustments to your policies from time to time. Be assured, we have your best interest at heart in our continual monitoring of your insurance planning with the bigger picture of your whole financial plan as our focus.