Insurance Insurance is a very handy tool to have in your financial toolbox.All insurance products insure you against some form of financial risk. The following is a list of insurance products we routinely speak of with our clients. This list is not comprehensive. For more information about a product, listed or not please feel free to contact our office by phone or email. Life Insurance- designed for short term and/or long run.Disability Income Insurance- to protect your after tax cash flowBusiness Over Head Insurance-to cover your fixed monthly expenses if disabledSuccession and Buyout Agreement Insurance- To fund succession planning if you leave, die or become disabled.Long Term Care Insurance- To shift the risk from your family to an insurer if you need long term care.Liability Insurance- basic or umbrellaHealth InsuranceEmployee Benefit PlansInsured Retirement Plans.