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Investment Management

“Life can throw us all a curve ball. What is paramount is that it doesn’t take us off track for the goals we have worked toward. At FORM, we understand that building a successful financial plan starts with a strong foundation. Insurance is part of that conversation and is why we make it a focus in our planning with clients.”

-Luke Kuchenberg CFP®, CPWA®

Insurance




A well-structured insurance strategy has many advantages, including protecting your loved ones from the financial fallout of unexpected events. 

But this strategy needs to be comprehensive in order to be effective.  That’s why our insurance Life Services encompass guidance and insight around a variety of forms of insurance. We want to ensure
you have sufficient, cost-efficient coverage, and that you’re proactively considering future needs like rising health care costs.

  • Auto guidance
  • Health guidance
  • Term life solutions
  • Whole life solutions & risk analysis
  • Employee benefit guidance
  • Disability solutions
  • Long-term care solutions
  • Property guidance
  • Self-insurance strategies
  • Medicare services
  • Health savings guidance

What's happening in your life today?

If you answer "yes" to any of the following questions, it may be time to speak with us about one of the investment services above.

  • Have you made any claims on your car insurance recently?
  • Are any of your policies coming up for renewal?
  • Are you facing any decisions with respect to your employee benefits?
  • Have you health care needs or those of your immediate family members changed?


Frequently Asked Questions

What insurance should I consider for retirement planning?

Retirement insurance typically includes life insurance, health insurance, and long-term care insurance. Life insurance provides a death benefit to your beneficiaries in the event of your passing. Health insurance helps protect against medical expenses that may occur during retirement. Long-term care insurance can help cover costs associated with long-term care, such as nursing homes and home health care.

How can insurance help me save for retirement?

Insurance can help you save for retirement by providing an additional source of income. Life insurance policies often have cash value that can be used to supplement income during retirement. Additionally, insurance can provide a death benefit to your beneficiaries in the event of your passing, allowing them to access funds that can be used for retirement savings.

What insurance products should I look at for retirement planning?

Life insurance, health insurance, and long-term care insurance are all important insurance policies to consider when it comes to retirement planning. Additionally, you may want to consider annuities, which offer a guaranteed income stream during retirement.

What insurance products can help protect my assets in retirement?

Life insurance and long-term care insurance are two insurance policies that can help protect your assets in retirement. Life insurance provides a death benefit that can help your beneficiaries access funds in the event of your passing. Long-term care insurance can help cover the costs associated with long-term care, such as nursing homes and home health care. Additionally, some insurance policies offer an “asset protection rider” that can help protect your assets from being depleted by medical expenses or other unexpected costs.