• Insurance Solutions

    Insurance provides peace of mind by protecting you and your family, business and assets. Risk management is a critical component of any financial plan in which areas of attention are identified and solutions are quantified. Since the types and amounts of coverage you need change throughout your lifetime, we advocate needs-based insurance coverage.


    Silversage Advisors® offers certain types of insurance, while other recommended coverage is referred to outside specialists. Our firm helps both individuals and companies review current insurance coverage and coordinate the types of insurance – in the appropriate amounts – that fit your situation.

    The following types of insurance are handled directly by our firm:


  • Individual Insurance

    • Life - Generally used for family protection, estate planning and income protection. All forms are available, including term, universal, whole, variable universal and blended.
    • Disability - Your income, both present and future, may be the largest “asset” you own, and statistics show that you are four times more likely to be disabled than die. If anyone else depends on your income, you should try to protect against an unforeseen loss of this important asset.
    • Long Term Care Insurance - The cost of long-term care is a major threat to older Americans’ financial independence. If you want to maintain your financial independence and/or would like to leave your heirs with an inheritance, long-term care insurance should be considered. We offer several types of this critical coverage.
    • Health - A basic building block to a secure financial position, everyone should, at the very least, carry a catastrophic care policy.

  • Corporate Insurance

    • Group Health, Life and Disability - This provides coverage for each employee while aggregating premiums to keep costs competitive.
    • Executive Life and Disability - We help business owners and key corporate personnel layer their group and individual policies to maximize their protection.
    • Business Overhead Expense - This policy reimburses your business for overhead expenses that occur while you are disabled. These expenses may include employee salaries, insurance premiums, lease payments and utilities.

  • Insurance reviews are an integral part of the financial planning process. However, even if you do not engage our firm for a financial plan, you should have your insurance coverage reviewed at least every five years to ensure you have the necessary and appropriate coverage. Contact a CERTIFIED FINANCIAL PLANNER™ practitioner for a competent review of your insurance and risk management.