Insurance
Our focus is our client’s financial health
At Rowe & Associates, Bob Rowe and Given Kutz have extensive experience in both individual and small group health insurance. We take the time to balance your unique circumstances with the intricacies of tax planning to assure that you get, and keep, the type of coverage that best suits you.
In regards to life insurance, disability income insurance, and long-term care insurance we pride ourselves on working closely with our clients to understand the entire framework of their circumstances. Our recommendations in this area, which is closely aligned with wealth creation, maintenance, and disposition, are based on your “big picture”. We are happy to sell insurance, but rest assured that our recommendations will be filtered through your unique circumstances.
Health Insurance
Given is primarily responsible for the health insurance at Rowe & Associates. Whether you’re a small business owner, an individual, or a family, Given can help you gain knowledge and understanding of your options. He has much experience in both the individual (Affordable Care Act/Obamacare) and small group markets and will work with you to find the best options for your personal needs. An individual health insurance application these days requires computer savvy and the patience to endure www.healthcare.gov. Given knows the ins and outs of both systems and has been a great help to many of our clients.
Life Insurance
Both Bob and Given have in-depth professional experience with life insurance. We have access to many top-rated companies and product types. If you are looking for low cost, term insurance for temporary circumstances, or if you have a genuine long-term need, we have access to products that offer solutions. Applying for life insurance isn’t a snap, and it’s our experience that agent representation during the underwriting process can be an enormous help.
Long-Term Care
No one wants to spend much time thinking about what would happen to the family and the estate in the event of an extended nursing home stay. We get that. However, in many cases it makes sense to insure against the potential devastation an extended nursing home or in-home care would bring. We have access not only to many of the top-rated carriers, but also to software to make sure that any recommendations we make are in line with your actual needs.
Disability Income
The odds of suffering a long-term disability during your working years are much higher than that of one’s death. This is an often overlooked area of risk, but one that we are prepared to discuss with you should that seem appropriate.
Voluntary Workplace
As a small business owner there are many insurance benefit options available to offer to your employees, i.e. dental, vision, life. We work closely with our clients to come up with solutions that are not only cost effective, but valued by your employees. We work with many fine carriers and continue to find more as a way of providing many options to you.
