Broker Check

Insurance And Risk Management Planning

Protecting what’s important.

How much is peace of mind worth? Knowing that if something catastrophic happens, you and your loved ones are cared for and protected. A powerful complement to any financial plan is to protect what you have against disability, medical hardship, catastrophic loss, and death.

While it’s true that Social Security benefits and pensions are typically solid sources of income, they may not be able to provide the standard of living you have in mind as you grow older, or if there’s an unforeseen emergency. Other sources of non-guaranteed income - such as market-based investments, real estate income, and private lending - cannot be fully relied on either.

At V8 Investment Advisors, we can help you determine what types of insurance and how much you and your family will need.

We’ll start by ensuring you already have adequate property and casualty insurance (which we do not offer). Then we’ll discuss other insurance needs we offer, including:

  • Life Insurance Helps bridge the gap between the financial needs of your dependents and the actual amount available to them after you’ve passed away. Though it can help your heirs pay immediate expenses, such as estate taxes, and burial costs after you’ve passed, it can also cover your heirs’ future needs, such as living, medical and educational expenses.
  • Long-Term Care This insurance is coverage that provides healthcare in your home, in a nursing-home, and personal or adult daycare for individuals age 65 or older or with a chronic or disabling condition that needs constant supervision. This includes help with standard activities of daily living, such as bathing, eating, dressing, toileting, or getting in and out of bed.
  • Disability Income For those who continue to work and do not already have one from their employer, a disability income policy can help protect you from financial losses by replacing a portion of your income should you become incapable of working, either by accident or by sickness.

Interest bearing options can provide fixed interest rates or linked interest rates to the market.
These include:

  • Guaranteed Certificates of Deposit
  • Structured CDs
  • Structured Notes
  • Fixed Annuities

Business Insurance

We also work with a nationwide group of insurers and insurance experts who can help you establish a Key Person or Buy/Sell insurance.

Annuities are products of the insurance industry and are not guaranteed by any bank nor insured by the FDIC or NCUA/NCUSIF. May lose value. No bank/credit union guarantee. Not a deposit. Not insured by any federal government agency. May only be offered by a licensed insurance agent. Fixed Index annuities do not directly participate in the stock market or any index. It is not possible to invest in an index. Withdrawals are subject to income tax, and withdrawals before age 59½ may be subject to a 10% federal tax penalty. Annuities have limitations. They are long-term vehicles designed for retirement purposes. They are not intended to replace emergency funds, to be used as income for day-to-day expenses or to fund short-term savings goals. Guarantees and protections are subject to the claims-paying ability of the insurance company. A fixed indexed annuity is a contract you buy from an insurance company that provides the opportunity to earn interest based on the changes in an index such as the S&P 500® Composite Price Index. Regardless of index performance, indexed annuity contract values will not be impacted by negative index returns.