At Ogorek, we recognize that insurance planning is a critical component of every comprehensive financial plan. Sound risk management and proper insurance coverage can mitigate or even eliminate most potential risks.
While insurance decisions should be made based upon your individual needs and economic situation, there’s no one-size-fits-all solution. Navigating the multitude of insurance policies and providers can be difficult and time-consuming. With varying types of insurance products available to protect you and your loved ones against unforeseen costs – accidents, illness, employment loss, disability or death – how do you determine what your insurance needs are, and what’s right for you?
Most are familiar with insurance necessities such as health insurance, life insurance, auto insurance
Ogorek’s insurance strategy includes proactive, protective measures such as:
- Disability Insurance – Replaces a portion of lost income in the event of loss of work for an extended period.
- Long-Term Care Insurance – Financial planning for long-term care is becoming more crucial than ever. Increasingly a necessity for our aging population, to cover the high cost of nursing home or in-home health care, relying upon Social Security, Medicare and/or Medicaid coverage often proves inadequate.
- Liability Insurance – Engaged when lawsuit coverage & personal liability insurance are exhausted, umbrella liability coverage is necessary for high-income individuals, business owners and/or those with considerable personal assets.
- Business Insurance – Especially important to business owners, shield your personal assets, yourself, your employees and what you’ve worked so hard to build from claims involving injury, damage