INSURANCE STRATEGIES

GH&J Insurance Services LLC was formed to assist our clients in understanding and analyzing the benefits of using insurance products to achieve both personal and business goals. With these goals in mind, we provide clients with an impartial review of quality insurance products that best suit their specific needs.

Insurance can be a valuable tool for clients and their families, particularly in the area of estate planning. It can provide for both liquidity and the conservation of family assets and be a source of family income/asset replacement and protection. Business owners may also use insurance to fund buy-sell agreements when providing for ownership transition and for "key-person coverage" for top executives.

GH&J Insurance Services offers a variety of insurance products, including the following:

Term Life Insurance - Temporary insurance that provides economic protection for a specific period (or "term") at a specified rate with no buildup of cash value. This type of insurance offers inexpensive coverage at younger ages, becoming increasingly expensive with age. Whole Life Insurance - Permanent insurance that provides coverage for the lifetime of the insured or until the policy endows, usually age 100. These policies build cash value and offer a fixed premium that is guaranteed never to increase in cost. Universal Life Insurance - Permanent insurance offering lifetime protection and cash value accumulation. Unlike whole life insurance, these policies feature an adjustable death benefit and flexible premiums.

Second-To-Die Insurance - Permanent insurance that is less expensive than two separate policies and is usually purchased when the policyholders are looking for proceeds upon death of the survivor. It is used frequently as an estate planning tool. Health Insurance - Doctor and hospitalization coverage for individuals, families and business employees. Health Insurance - Doctor and hospitalization coverage for individuals, families and business employees. Long-Term Disability Insurance - Income replacement in the event of a major disability. Long-Term Care Insurance - Long-term care coverage for at-home-care, community based care and respite care (relief for the unpaid caregiver).

Our insurance professionals use all of the major insurance rating services, including A.M. Best Company, as a basis to determine the relative financial strength and performance of the insurance companies we recommend. Our goal is to help clients obtain quality coverage at a competitive price.

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GH&J Insurance Services LLC is an affiliate of GREEN HASSON & JANKS LLP and is not a licensed certified public accounting firm.