Insurance isn’t just about protecting assets; it’s about protecting your family, business, and future financial goals. At Harbor Horizon Financial, our insurance planning services are designed to help you evaluate your coverage, identify gaps, and integrate insurance into your broader financial strategy.

We take a team-oriented approach, coordinating with your insurance professional, CPA, attorney, and other trusted advisors to ensure your insurance strategy complements your wealth, business, and legacy plans. With your permission, we can provide relevant financial analyses, help review policy options, and support your advisors to create a seamless, long-term risk management strategy.

What is Insurance Planning?

Insurance planning is a proactive process that ensures you have the right protection in place for your personal, family, and business needs. It goes beyond simply purchasing policies; it’s about evaluating your risks, understanding the financial impact, and integrating coverage into your long-term financial and business plans.

A thoughtful insurance strategy can help you:

-Protect your family from unforeseen financial hardship

-Safeguard your business and key employees

-Ensure continuity of wealth and estate planning

-Preserve your long-term financial goals and retirement plans

Key Components of Our Insurance Planning Services:

-Life Insurance Planning: Evaluating personal and business life insurance needs to provide financial security for your family, business partners, or key employees.

-Disability & Income Protection: Protecting your income and lifestyle in the event of illness or injury that limits your ability to work.

-Long-Term Care & Health Planning: Reviewing options to help cover potential healthcare and long-term care expenses without derailing your financial plan.

-Business Insurance Strategies: Coordinating coverage for key person risk, buy-sell agreements, and other business continuity needs.

-Team Coordination: Working with your CPA, attorney, and other advisors to ensure insurance integrates seamlessly with tax, estate, retirement, and business strategies.

Questions to Consider for Your Insurance Plan

Every situation is unique. At Harbor Horizon Financial, we help you explore the questions that matter most and provide guidance alongside your trusted advisors:

-Do I have sufficient life insurance to protect my family and business?

-How would my income and lifestyle be impacted if I became disabled?

-What is the right balance of personal vs. business coverage?

-Do my current policies align with my estate, retirement, and business succession plans?

-Are there ways to coordinate coverage that complement my tax and investment strategy?

We don’t just ask the questions, we help you find the answers. By reviewing your personal finances, business interests, and long-term goals, we provide a clear, coordinated approach to insurance planning alongside your insurance professional, CPA, attorney, and other advisors.

Take control of your risk management and protect what matters most. Contact Harbor Horizon Financial today to schedule a personalized insurance planning consultation and build a strategy that safeguards your family, business, and long-term goals.