A.T. Financial Newsletter
For complete protection,
take a portfolio approach
On the surface, investing and buying insurance might seem like two entirely different subjects. However, both activities can be more effective when you take a strategic portfolio approach.

An insurance portfolio consists of several complementary types of policies. Each element plays a different role, much as asset classes do in an investment portfolio. By considering each aspect of your life that needs protection, we can put together a comprehensive solution.

Protecting your family's lifestyle
If you should pass away, you'd want your family to be able to stay in their home, your kids to be able to get post-secondary education, and your spouse not to have to worry about making ends meet.
Solution: Life insurance on your own and your spouse's life. Coverage can be adjusted as your protection needs change over time.

Protecting your income
An interruption in your earnings caused by disability or critical illness could spell financial hardship for you and your family.
Solution: Disability and critical illness insurance. Disability insurance is designed to replace a portion of your income until you can get back to work. Critical illness insurance provides a one-time payment that you can use to seek alternative treatment, pay off debts, provide in-home care, or anything else that can help ease the strain on your family.

Protection from debt
Borrowing plays a key role in helping achieve important goals. But unexpected events can sometimes interfere with regular repayments, putting you, your family, and your savings at risk.
Solution: Sufficient life and disability coverage to maintain required payments or pay off your debts. While many lenders offer mortgage life and disability insurance, a freestanding policy will give you greater flexibility.

Preserving your estate
When you pass away, a deemed disposition of all your assets occurs for tax purposes, which may result in substantial capital gains.
Solution: Permanent life insurance. Permanent coverage provides protection for your entire life, so you won’t have to worry about not being able to qualify as you get older.

Protection against healthcare costs
As you age, you may need assistance for everyday activities. Whether you need occasional help in your own home or dedicated nursing help at home or in a facility, the cost can be significant.
Solution: Long-term care insurance. With sufficient long-term care insurance, you'll be able to have the level of care you want without having to tap into your own financial resources or rely on your children for support.

As you can see, there are many different factors to consider and many are subject to change. We can help make sure you have the right types of coverage, in the right amount.
Insure your business's most valuable asset
If you are a business owner or self-employed professional, your business is likely to represent a good portion of your personal net worth. Without you at the helm, however, chances are that your business would be worth far less. if the worst should occur, your loved ones may not be able to benefit from the value you worked so hard to build.

The value of insurance
To protect your family and your business, you may want to consider life insurance. The tax-free benefits can:
  • Replace your income so that your family can maintain their accustomed lifestyle.
  • Hire a temporary replacement to keep the business running until a permanent successor can be found.
  • Pay off personal and business debts, including those that are likely to arise at death.
  • Fund a buy-sell agreement with your business partner or co-owner so that he or she can purchase the business from your family.
The value of insurance
There are many different types of insurance (term 10, 20, 30, permanent life) and a number of ways to set up the policy.

Every situation is unique, which is why it's a good idea to get professional advice. We'd be happy to take a look at your insurance needs and help you structure coverage to protect both your loved ones and your business.
For more information,
please contact us at

(647) 833-2782