Insurance That Protects Your Plan, Not Just Your Assets.
Independent analysis of life, disability, and long-term care insurance needs. We evaluate coverage gaps and policy structures to help align your protection with your plan.
Insurance is one of the most important and most misunderstood components of a comprehensive wealth plan. Too often, coverage decisions are made in isolation, driven by a product pitch rather than a genuine analysis of what you need, why you need it, and how it fits with everything else. At Tierney Wealth, we provide objective insurance analysis as part of your broader financial strategy. We evaluate your current coverage, identify gaps, and recommend structures that are intended to help protect your income, your family, and your legacy. Our goal is to help your insurance work for your plan, not for a product quota.
How We Approach Insurance Advisory
Needs-Based Analysis, Not Product-Driven
We start with your financial plan: your income replacement needs, your estate transfer goals, your business obligations, and your long-term care exposure. The analysis determines the coverage. The coverage determines the product. Never the other way around.
Life Insurance Strategy
Whether you need term coverage for income protection, permanent coverage for estate planning, or a combination, we analyze the role insurance plays in your specific plan. We evaluate policy structures, carrier strength, and premium efficiency to help assess whether coverage levels are appropriate.
Disability and Income Protection
Your ability to earn income is often your most valuable asset. We evaluate your existing disability coverage, identify gaps, and recommend supplemental protection where it may be appropriate. For business owners, this includes key person coverage and buy-sell funding strategies.
Long-Term Care Planning
Long-term care costs can have a significant impact on a wealth plan that does not account for them. We analyze traditional long-term care insurance, hybrid life-LTC policies, and self-insurance strategies to determine the approach that may be appropriate based on your situation.
Policy Review and Optimization
If you already hold policies, we review them in the context of your current plan. Coverage needs change over time. Policies may have become obsolete, redundant, or insufficient. We help you determine whether to keep, replace, reduce, or supplement your existing coverage.
“Insurance should be the last line of defense in a well-built plan, not the first product in a sales pitch.”
Tierney Wealth
