Insurance Planning

Insurance is essential to any comprehensive financial security plan. If tragic events such as accidents, sickness, death, disability, or critical illness strike, insurance can protect you and your family from undue hardship.

As an independent insurance brokerage, we have access to a variety of insurance products that can help meet your financial security planning needs. No matter your personal situation—if you are single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.

Life Insurance

In the event of death, life insurance offers surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.

The advantages of life insurance include:

  • An instant estate for your loved ones at a time when funds are most needed
  • Death benefits that are almost always non-taxable for named beneficiaries
  • Avoid probate costs if you name a beneficiary other than your estate
  • Potentially offer your loved ones creditor protection through some life insurance plans
  • Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans

We can help you select coverage from a variety of life insurance options to meet the needs identified in your financial security plan.

Life insurance can play a vital role in your financial security plan - contact us today to find out how.

Long-term care and disability insurance

Income is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial security (e.g. planning for your children’s education or for retirement). Just think about what might happen if you suddenly lost your income stream through a long-term illness or disability.

Long-term care and disability insurance products help protect your ability to earn an income, which can be affected if you are afflicted by a disability or other condition.

We can help you choose long-term care and disability insurance products that provide advantages such as:

  • Helping maintain your financial independence, lifestyle and long-term financial security plan in the event your income is impacted by disability
  • Assist with paying fixed expenses for your business if you become disabled
  • Support the buy-out of a disabled partner’s share of a business

Aspen Financial can help you tailor your financial security plan so it protects your income through long-term care and disability insurance. Contact us today to find out how.

Critical illness insurance

Suffering a critical illness is distressing for both you and your family. Help ease the burden through insurance that will reduce financial stresses and can complement disability and life insurance protection needs. By helping pay for the additional expenses often associated with a critical illness or condition, insurance offers you, your family, and if applicable, your business, added financial security—so you can focus on recovery.

The advantages of critical illness insurance can include:

  • Coverage for up to 22 critical illnesses or conditions
  • Home-care costs during illness and recovery periods
  • Even if you’re not disabled from working, you may receive payment
  • The ability to provide a return of premium benefit (optional)
  • Individuals who cannot obtain disability insurance in some cases still qualify for critical illness coverage (e.g. a non-income earning spouse)

Contact us today to determine whether critical illness insurance fits into your financial security plan.

Vision Insurance


VSP has $150 annual allowance for glasses, savings on top eyewear brands, prescription lenses, and access to the largest independent doctor network with comprehensive eye exams for a small copay.

*If you're looking for group coverage, please click here.

Dental Insurance


UCT Dental offers three levels of coverage: United Silver, with $1000 annual maximum benefits, Gold 1, with $1000 annual maximum benefits, and Gold 2, with $2000 annual maximum benefits.  While there are wait periods on certain services, there is no annual deductible and no networks, so you can use any dentist.

*If you're looking for group coverage, please click here.

Accident Insurance


Many health policies have a high deductible due to the constant increases in health care costs. Accident Insurance provides coverage 24 hours a day - worldwide - while on business or pleasure. With multiple coverage amounts available, these benefits reimburse medical expenses up to the maximum elected if an accidental bodily injury causes an insured person to incur medical expenses for care and treatment of the accidental bodily injury within 90 days after an accident.

*If you're looking for group coverage, please click here.

Travel Insurance

This plan covers you for accidents, illnesses, and emergency evacuation while traveling overseas. The plan allows you to upgrade for Accidental Death and Dismemberment, Crisis Response Coverage, and Personal Liability Coverage for an additional charge.

 MedjetAssist® is the premier air medical transport membership program for travelers. If you are hospitalized 150 miles or more from home, Medjet will arrange air medical transport all the way back to your hospital of choice in your home country — regardless of medical necessity.

Azimuth offers a travel medical product, as well as a major medical plan. The Meridian plan is a major medical that allows one to choose worldwide coverage. This plan provides coverage if you live outside of the U.S. for half of the year, or you are planning to work overseas.

This plan covers you for new accidents and new illnesses, as well as pre-existing conditions, provided you have a primary health plan, including Medicare. They also have frequent travel plans for those who travel frequently outside of the U.S.

*If you're looking for group coverage, please click here.