Reduce Risk and Costs without Sales Pressure— Insurance Optimization Planning
Optimize Your Insurance. Protect What Matters.
Maximize Coverage. Minimize Cost. No Commissions.
Our insurance optimization service is designed to reduce your risk exposure, eliminate wasteful spending, and ensure you have the right protection—not more than you need, and never less.
Unlike commission-based agents, we are fee-only fiduciaries. That means we receive zero compensation from insurance companies. Our only incentive is to give you honest, conflict-free advice that’s in your best interest.
What Is
Insurance Optimization?
Insurance optimization is a strategic, unbiased review of your existing coverage and needs.
Our goal is to:
Eliminate unnecessary or overpriced policies
Improve protection in high-risk areas
Reduce your total insurance costs
Identify gaps in coverage that could threaten your financial security
We help you strike the right balance between cost-efficiency and comprehensive risk management.
Insurance Types
We Review
For Our Clients
Life Insurance: Term life, whole life, and permanent life policies—all reviewed for cost-effectiveness, purpose, and proper coverage.
Long-Term Care Insurance: We evaluate traditional and hybrid options to help you prepare for future healthcare needs while protecting your assets.
Auto & Home Insurance: We assess deductibles, limits, and bundling options to ensure your property is properly protected—without overpaying.
Disability Insurance: One of the most overlooked types of protection. We analyze group and individual coverage to ensure your income is secure if you can’t work.
Umbrella Insurance: Affordable umbrella policies can guard against large, unexpected liability claims that could derail your financial plan.
Health Insurance: From ACA plans to Medicare, we help you navigate the complex landscape of health coverage.
No Commissions. No Pressure.
Yes Honest Advice.
Most insurance agents are paid commissions when they sell you a policy. We’re not. That means:
We don’t recommend products you don’t need
We won’t upsell you on coverage that benefits us more than you
We won’t hesitate to tell you when to keep what you already have or when to cancel poor policies
Whether you need a new policy or need to unwind one that was wrongfully sold to you, we’re here to help—without bias or sales pressure.
Who Benefits Most From Insurance Optimization?
Our process is especially valuable for:
Retirees seeking to reduce unnecessary policy costs or reevaluate legacy insurance
Small business owners juggling personal and business risk
Families needing to protect loved ones and long-term income
High earners exposed to lawsuits and large liability risks
Anyone unsure if they’ve been oversold on coverage
How We Help You Optimize Your Insurance
We conduct a thorough, independent analysis of your insurance needs and policies. Our process includes:
Comprehensive Risk Assessment
Policy Review & Cost Analysis
Market Comparison for Better Coverage & Pricing
Unbiased Recommendations
Annual Insurance Checkups
We help you shop the entire insurance market, compare offers, and choose the policy that provides the best value—without sacrificing quality protection.
Protect Your Wealth, the Right Way
Insurance isn’t about fear—it’s about freedom. Knowing that you’re properly protected gives you the confidence to live life without unnecessary risk.
With our unbiased, fee-only insurance analysis, you’ll walk away knowing:
What coverage you actually need
What you can safely drop
Where you can save money
How to protect your wealth with confidence
Ready to learn more about reducing your risk in retirement?
Click here to get your Free LEGACYSCULPT™ Retirement Assessment