At Vantage Point Wealth Management, LLC, we fully understand the value of insurance when it comes to effectively managing risks. By paying an insurance company a premium, you have the opportunity to spread your risk to a larger pool. This purchase buys you time. Time to build an investment portfolio to meet your financial needs.
This approach allows you to safeguard yourself and your loved ones from a wide range of risks such as:
- Healthcare expenses resulting from accidents or illness.
- Disability that may prevent you from pursuing your chosen profession.
- Long-term care requirements.
- Premature death, and
- Longevity, when people become concerned that they outlive their resources.
A well-planned insurance solution also offers you the flexibility to adapt to varying situations as you advance through various stages of life.
We believe that no single company can provide the best solution for every individual or situation. This belief led us to establish our firm as an independent entity, ensuring that we are not bound by production requirements, like those that are imposed upon insurance company career agents. Our independence empowers us to identify and offer the best solutions available in the market for every client, benefiting from our extensive experience in researching, analyzing, and evaluating insurance contracts.
As fiduciaries, our clients benefit from our expertise in assessing risk and providing cost-efficient solutions, with our clients’ interests as our top priority. Whenever possible, we include commission-free products in our analysis and recommendations. Commission-free products have the potential for superior long-term performance due to their lower cost structure.
Our team of fully licensed advisors specializes in offering life, health, and retirement insurance alternatives for both employer-sponsored groups and individuals. We recognize the areas in which insurance products can provide superior guarantees and opportunities for growth as they are integrated effectively into a financial plan. Count on us to deliver tailored and economically efficient strategies that address your specific needs.
Disability Income
How do you pay your bills If you get sick or hurt and can’t work?
- Will your income stop or be reduced?
- How much money will your family need to maintain your current lifestyle?
- Where will you get that money and is the source guaranteed?
Disability Income Insurance is, for most people the most important insurance to own for it insures one’s income from which all other financial resources derive.
Life Insurance
Life Insurance is an amazing financial tool. It allows us to transfer the risk of our death to a third-party thereby making our families more secure. As a result, life insurance is deemed a social good and accorded significant tax advantages.
There are two basic forms of life insurance, Term and Permanent Insurance. Term provides coverage for a specified period of time, for example, 10, 15, or 20-years. Permament insurance is intended to provide coverage periods from 20-years to the end of one’s life. Permanent insurance is where those tax-advantages reside.