The process
Insurance can be complex and daunting. We can help.
Proper planning is our commitment to you and your family. Our process always follows these steps to ensure goals are understood, needs are met, and the necessary planning is achieved.
Discovery and Review
Analysis
Recommendations
Implementation
Ongoing Monitoring
Our approach
Details
First meeting.
Kusmider Consulting will start at the beginning with you and, when possible, your financial advisor to identify personal goals and family needs.
Review existing insurance.
Does your coverage still meet your goals?
Do you have the right coverage or enough?
Carrier integrity - Like any business, carrier performance can change over time. We confirm current carrier ratings and policy performance to ensure they can meet your needs.
If your family needs and estate goals have grown or changed, your coverage may need to change, too.
Is beneficiary information accurate and up to date?
Depending on the answer to many of these questions, we will either move to further steps or schedule a follow-up for a future check-in if your current plans are in good order.
Assess possible alternative solutions to fulfill current needs.
We help you find the best insurance carriers and products to address any coverage gaps that may arise. We will provide you with a range of options and educate you to make an informed decision on pursuing a solution suited to you.
This step takes personal history and health status into consideration.
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.
Depending on various factors, additional requirements may be requested by the insurance carrier: Blood draw, urine samples, and other exams as necessary.
A request for medical records may be necessary. If so, the carrier will obtain medical records from your physicians.
Review offers and options for coverage.
After fulfilling all the application requirements, the carrier will review the case and propose a rate class. Upon receiving an offer, we meet with the client and their advisor for a final review, address any changes to the policy, and then execute on putting this policy in force.
