INSURANCE PLANNING
Protect the people and the income that depend on you.
Life, disability, and long-term care coverage, sized to your actual plan — so your family, your income, and your business are protected if the unexpected happens.
WHAT I CAN HELP WITH
Coverage for every stage of life and business.
Insurance works best when it's part of your financial plan — not a separate sale. Every recommendation starts with what you're protecting and why.
Life insurance
Coverage to replace your income, pay off debts, fund education, or leave a legacy for the people who depend on you.
Disability income
Your ability to earn is often your biggest asset. Disability coverage helps protect your income if illness or injury keeps you from working.
Long-term care
A plan for the cost of extended care later in life, so it doesn't fall on your savings or your family.
Business protection
For owners: key person coverage and funding for buy-sell agreements, so the business can continue if something happens to you or a partner.
Annuities
Options to help turn savings into a dependable stream of retirement income, evaluated alongside your full plan.
Review of existing coverage
Already have policies, or coverage through work? I'll review what you have, whether it still fits, and where the gaps are.
MY APPROACH
Advice first. Coverage second.
Too many people end up with policies they were sold rather than coverage they actually need. My process starts with your plan.
- 01
Review
We look at what you're protecting — your family, income, business, and goals — and the coverage you already have.
- 02
Find the gaps
We identify where you're underinsured, overinsured, or paying for coverage that no longer fits.
- 03
Recommend
You get clear recommendations, explained in plain English, sized to your plan and budget.
- 04
Revisit
As your family, income, and business change, we review your coverage to make sure it keeps up.
QUESTIONS WORTH ASKING
If you're not sure of the answers, it's time for a review.
- Could your family stay in your home if your income stopped tomorrow?
- Would your disability coverage be enough if you couldn't work for a year?
- Does your coverage through work go with you if you leave?
- If you own a business, how would a buy-sell agreement be funded?
- How would you pay for long-term care without draining your savings?
Insurance products are offered through various insurance carriers. Coverage is subject to underwriting, policy terms, and state availability. Guarantees are based on the issuing insurance company's claims-paying ability. Tomolonis Financial does not provide tax or legal advice.