Illness, injury, or death and the accompanying threat of financial disaster often occur when least expected. The goal of insurance planning is to preserve our clients' assets and income by protecting them against accidental loss.

Three categories of pure risks confronting individuals and businesses are:
• Risks involving people
• Risks involving property loss or damage
• Risks involving liability for injury or damage to other persons and their property.

Cost effectively managing these risks is our specialty.

A Personalized Insurance Program
Costs for health care and custodial care continue their upward spiral. We're seeing a steady flow of new regulations and financial services products. The need for expert guidance has never been more critical.

Savage & Associates' advisors can design a personalized program for your employees or family that strikes the ideal balance between price, coverage, and flexibility.

Life insurance is the foundation for many financial strategies. Companies and individuals often use life insurance's tax-free death benefit and tax-deferred cash build-up to replace lost assets, finance buy/sell agreements, or fund nonqualified benefit plans. Our advisors can show you how to use this tool to your best advantage.