Life Insurance

lifeLife Insurance is an important basic element of the foundation for your financial plan. Your insurance needs should be taken care of before you begin an investment portfolio.

The primary purpose of life insurance is to provide for your dependents in the event of your untimely death. It helps dependents maintain the standard of living you desire, provide for educational needs or pay off your home mortgage.

There are several other uses of life insurance as well: to pay estate taxes, to buy out the heirs of a business partner, to compensate a corporation in the event of the death of a key executive, to settle debts or to obtain a savings objective.

Smith, Brown & Groover, Inc. helps clients design a life insurance program that fits their needs at the particular time. We will assist clients in reviewing their insurance and will recommend making changes when the changes are beneficial.

Health and Disability Insurance

healthSmith, Brown & Groover, Inc. works with clients in the area of health and disability insurance. Rising health insurance costs and claims could disrupt any sound financial plan.

We review individual health and disability coverage as well as group coverage in an attempt to ensure that our clients have the adequate protection as well as reasonable premiums.

Recently, insurance providers have been raising premiums much faster than inflation. Because of this, we encourage our clients to review their health and disability insurance coverage often.

It is also very important to understand the true benefits of your coverage. We can assist you in evaluating your existing coverage and offer alternatives, if and when appropriate.