Insurance Solutions

MDB Group works with the industry's competitive life, disability, and long-term care insurers.  We help you find the right coverage at a competitive price.

Our insurance services include:

• Insurance gap/needs analysis for life, disability, and long term care
• Analysis and planning for estate liquidity
• Planning for policy ownership issues and beneficiary designations
• Education on types of insurance. For example:
  • Life: Is term or permanent the best fit? If considering permanent which is better:  whole life, universal life, equity-indexed universal life, or variable universal life ?
  • Long Term Care: Is traditional, hybrid, or life-based LTC the best fit? Would an LTC annuity be appropriate instead?

Life Insurance: We work with both healthy individuals and those previously declined or rated to offer term and permanent life insurance solutions.  We evaluate tax-efficient ways for you to own and pay for your policy.

Disability Insurance: Disability Income insurance provides income in the event you become sick or injured and can't work.  We evaluate your disability benefits to assure you have the protection you desire.  We also provide customized solutions for executives, athletes and business owners.

Long-term Care Insurance: Traditional and hybrid long-term care insurance helps pay for long-term care generally not covered by health insurance, Medicare, or Medicaid.  We provide access to various carriers to identify the appropriate alternatives that fit your specific situation, including policies that provide benefits even if long-term care is never required.

Policy Review: We believe policyowners benefit from a regular review of what they own.  That's why we offer this as an ongoing complimentary service to all our clients.