Risk Management Services

Minimizing and managing risk involves a number of important steps, one of the most important being evaluating the need to transfer risk to an insurance provider. For many, life insurance provides an incredible amount of protection and peace of mind to those insured and their loved ones, and it can be a very valuable financial tool. Similarly, disability coverage, which helps protect your ability to earn an income, and long-term care coverage, which reduces the risk of running out of retirement assets, both work to transfer risk off of your shoulders.

At EViE Financial, we recognize risk management through insurance is not the most exciting topic. However, it is a crucial aspect of a comprehensive financial plan for many of our clients. It’s our goal to make the sometimes intimidating process of choosing and applying for life, disability, or long-term care insurance as stress-free as possible.

At EViE Financial, we’re not tied to one specific provider for any type of insurance policy, so we have the freedom to take an independent, unbiased approach to match you with the coverage that best meets your situation, needs, and budget. We perform an in-depth analysis of your coverage and benefit needs — including any employer-sponsored coverage you may have or be eligible for — and work with you to find the right fit.

When helping you through the insurance process, our goals include:

Finding cost-conscious coverage that gives you as much benefit as possible without breaking the bank
Minimizing time and effort needed to complete the application process — this includes underwriting without medical exams for applicants who qualify
Connecting you with a wide range of coverage options to choose from, including life, disability, and long-term care, among others.
Determining the best mix of coverage types and amounts based on your goals and needs
Helping create a legacy for you and your loved ones
Providing access to expert estate planning partners to ensure an insurance plan marries well with estate strategies
Minimizing taxable consequences on withdraws or transfers from insurance policies
Working with beneficiaries to ensure a smooth transition of assets and payment of claims, along with guidance on how to utilize funds paid out by insurance policies

The EViE Risk Management Process

Your needs aren’t one-size-fits-all, so why should your insurance policy be?

We want you to feel comfortable with your insurance choices, and secure in the knowledge that your coverage meets your needs while remaining affordable.

To make these goals a reality, we follow the below process to be sure we connect you with the right insurance resources:

Conduct full needs analysis to determine how much, what type, and affordability of coverage for life, disability, or long-term care insurance
Provide initial quotes for the top two or three insurance options for your needs
Review of quotes and explanation of benefits to ensure clients are informed
Input of initial application details and coverage requests
Timely management of application process, including follow-up for underwriting requirements like exams or medical records
Discussion surrounding insurance company offers after underwriting is complete
Assistance finalizing the policy details to ensure coverage is placed in force