Insurance Planning Insurance transfers the financial risk of life's events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those eventsAt Chaney & Associates Financial Planning, LLC, we make insurance planning an integral part of every comprehensive financial plan we prepare. Without proper coverage, you could see your savings and investments evaporate very quickly.Do you have sufficient insurance coverage on your home and personal property? Do you carry enough life and health insurance to protect yourself and your loved-one’s in the event of death, disability or serious health issues? Do you have long-term care insurance? Perhaps you carry too much insurance or are not aware of less expensive options to cover a particular need. These are important questions and we are here to walk you through the vast array of products available today.Insurance products have changed dramatically over the last few decades. For example, there are currently life insurance policies available that not only pay a specified amount at death but also allow you to draw from your death benefit while you are alive in the event long-term care is needed or if you become chronically or terminally ill. Some annuity companies provide long-term care benefits above and beyond the current contract value of your annuity. Thanks to the Pension Protection Act, there have been dramatic changes in the way to plan for a long-term care event, which definitely warrants a discussion. If you own an old life or annuity policy, we encourage you to reach out to our office for a complimentary review of your policies. Have a Question Name Email Phone Question Thank you! Oops!