Risk Analysis & Insurance

Life Insurance Review

The purchase of life insurance is a generous, unselfish financial gift to your family. Many individuals who have paid premiums during their lifetime are seeing benefits evaporate due to uncontrollable changes in interest rates and expenses.

Our results show nearly 60% of policies reviewed can be improved based on cost, length of coverage, or benefit amount. Changes in interest rates, medical advances, improvements in policy design and the financial situations of the life insurance company are all factors that must be evaluated to assure the life insurance coverage remains as stable as it was intended.

With experience in this field, we have developed a comprehensive “Life Insurance Review” program that examines every aspect associated with a life insurance policy. The result is a custom analysis of a given policy along with alternatives.

Asset Review

The way an asset is owned can have a significant impact on how it passes to heirs. It is a grave error when beneficiary designations are not updated to reflect changes in your life and benefits do not go to the intended individuals. Through a review of current ownership and beneficiary designations we can identify potential problems and make recommendations to correct them before it’s too late.

Long-Term Care Planning

Many Americans worry that one day they will become a financial or emotional burden to their family members in the event they require long-term care (LTC). Yet, many have not prepared for this potential need.

LTC is the care that you or another loved one may need if they are unable to perform basic activities of daily living (ADLs) such as bathing, eating, or dressing. LTC insurance is just one of the ways to reimburse you for at home or facility care expenses if a family member is unable to become a primary caregiver.

Mueller Financial Services’ dedicated insurance advisors can help you prepare and provide the protection you and your family need to as your age, health, family situation, and lifestyle evolve.