For Clients
Insurance can be complex and daunting. We can help.
Coverages
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Life Insurance
Secure your family and your future. We assist by reviewing your needs and exploring the best solutions for your goals.
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Long Term Care
Ensure your wishes are met. We help by creating a plan with you and organizing the funds to meet those objectives.
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Disability Insurance
Your most valuable asset is your income. A paycheck makes everything in life possible. We assist you in safeguarding your lifestyle.
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Annuities
An investment vehicle utilized to create consistency and wealth accumulation. We can help you review the best option for you.
Join our newsletter to receive a personal planning tool to get started on your coverage needs.
Services
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Is your business adequately protected against the loss or disability of a partner or owner? When did you last review your business’s life insurance policies?
If your business has grown and changed since your last insurance planning was completed, schedule a call today to plan a review.
Are there key employees your business cannot function without?
Let us help you retain these valued employees and protect your business from untimely departure.
Does your business have a formal succession plan? Is that plan funded?
Succession planning is essential to your business’s growth and your financial future. Our team can assist you through this process.
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Have you made the necessary arrangements to ensure your estate transfers smoothly and effectively according to your objectives? Has your life insurance planning been reviewed since you purchased coverage? Are you maximizing your legacy planning?
Contact us to work with you and your estate attorney to ensure your coverage works appropriately for you and your family when they need it.
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How long could your family maintain their lifestyle without your income? Will retirement or college funding goals be met in the event of an unexpected death in the family?
Contact our team today to review your coverage and ensure your loved ones are protected.
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Are you donating to charity? Have you reviewed strategies to increase your donations to the greatest extent?
Contact our team today to review options and find the best way to put your donations to work for these valued charities.
The Process in Detail
First meeting.
Kusmider Consulting will start at the beginning with you and, when possible, your financial team to identify personal goals and family needs.
Review existing insurance.
Does your coverage align with your goals?
Do you have the right amount of coverage?
Carrier performance changes over time—we verify ratings and policies to ensure they meet your needs.
If your family needs or estate goals have grown or changed, your coverage may need to change, too.
Is beneficiary information up to date?
Based on the answers, we will take the next steps or schedule a future check-in if everything is in good order.
Explore Alternative Solutions
We identify top insurance carriers and products to fill coverage gaps, providing options and guidance to help you make an informed decision.
This process considers your personal history and health status to find the best fit.
Apply for new coverage.
Once coverage preference is identified, we will complete an application.
Most applications are electronic and completed over email with e-signatures.
Carriers may request additional requirements, such as medical exams or lab tests. If needed, they will obtain medical records from your physicians.
Review offers for coverage.
After completing the application, the carrier reviews your case and assigns a rate class. Once an offer is made, we meet with you and your advisor to review, address any changes, and finalize the policy.
