Insurance Review & Recommendations

Protect what matters most—without overpaying or overlooking critical gaps.

At VIP Wealth Advisors, we believe that insurance is a key pillar of any strong financial plan—but most people either have too much, not enough, or the wrong kind altogether. Our Insurance Review & Recommendations service ensures your coverage is aligned with your goals, risks, and net worth—so you’re protected without wasting a dollar.

What’s Included:

1. Full Audit of Existing Policies

   We start with what you already have.

   • Review of life, disability, long-term care, homeowners, auto, umbrella, and business coverage
   • Identification of coverage gaps, duplications, or outdated policy terms
   • Cost-benefit analysis to highlight inefficiencies or savings opportunities
2. Risk & Coverage Needs Assessment

   Your insurance should reflect your lifestyle and financial priorities.

   • Analysis based on age, dependents, income, debt, assets, and liabilities
   • Stress-testing for major life events like disability, death, or lawsuit exposure
   • Consideration of future goals (e.g., college funding, retirement, legacy planning)
3. Personalized Recommendations

   Not all policies are created equal—and neither are all agents.

   • Independent, objective advice (we don’t sell insurance)
   • Suggestions for optimal coverage levels and policy types
   • Strategies to reduce premiums without sacrificing critical protection
4. Coordination with Your Overall Financial Plan

   Insurance doesn’t exist in a vacuum—it supports your full strategy.

   • Integrate coverage decisions with your estate, tax, and retirement planning
   • Ensure beneficiaries, ownership, and titling are aligned across policies
   • Support with implementation, including reviewing illustrations and coordinating with your insurance agent or carrier
5. Ongoing Monitoring & Updates

   Life evolves—your protection should too.

   • Periodic reviews to adjust coverage based on life changes or new goals
   • Policy performance monitoring for permanent life insurance or annuities
   • Updates aligned with changes in law, premiums, or risk exposure

Who Should Consider This Service?

• High earners or families with significant assets to protect
• Tech professionals with dependents or equity compensation exposure
• Business owners with personal or professional liability risks
• Individuals who haven’t reviewed insurance in years
• Anyone unsure whether they’re under- or over-insured

Why It Matters

The right insurance isn’t just about protection—it’s about peace of mind.
Our clients walk away knowing they’re covered exactly where it counts, without overspending or leaving blind spots.

Want clarity on your coverage?
Let VIP Wealth Advisors evaluate your insurance and guide you to smarter, cost-effective protection.