Insurance Analysis

Protect what matters most—without overpaying.

Insurance is an essential part of any comprehensive financial plan, yet it’s often misunderstood or overlooked. At Cornerstone Capital Financial Group, we help you evaluate your unique risks and ensure that you have the right type and right amount of coverage for your needs—whether you’re protecting your family, your business, or your future.

Our insurance analysis process is designed to help you avoid two common and costly mistakes: being underinsured or overinsured.

Why Insurance Analysis Matters

The decision to purchase insurance is usually based on one simple reality: you want to safeguard against a financial loss you couldn’t comfortably absorb on your own.

A thoughtful insurance review will help determine:

How much of a financial risk you can self-manage
How much risk should be transferred to an insurance company
What type of insurance best fits your situation, goals, and budget

This applies to individuals, families, and business owners alike—especially when considering income protection, succession planning, or key-person insurance.

What Our Insurance Review Covers

From income replacement to long-term care needs, a full insurance analysis helps you plan for:

Loss of income due to premature death, disability, or critical illness
Estate planning and final expenses
Business continuity, including buy-sell agreements and corporate-owned insurance
Long-term care needs in retirement
Health changes and life transitions that impact coverage needs

We assess your current resources, quantify the capital needed in a worst-case scenario, and identify any gaps. This ensures you’re not paying for more than you need—or leaving yourself vulnerable.

Risk Is Real — and Often Underestimated

You have a 37% chance of becoming disabled for 90+ days before age 65¹

A 27% chance of being diagnosed with a critical illness²

40% of seniors will require long-term care³

Despite these statistics, many people focus only on life insurance—leaving other major risks unprotected. For business owners, a lack of proper coverage can jeopardize operations, succession plans, or your family’s financial security.

Life Changes — So Should Your Coverage

Our lives evolve. We experience births, career changes, new business ventures, health changes, and retirement transitions—on average, every three years. That’s why we recommend reviewing your insurance strategy just as frequently.

We help ensure that your coverage adapts as your circumstances change—so you can move forward with clarity and confidence.

💬 Not sure how much insurance you need?

Let us help you get the right protection in place.

Schedule your personalized insurance analysis today.

¹ American Association of Critical Illness Insurance.

² American Association of Critical Illness Insurance.

³ Long Term Care Administration on Aging.

Insurance products are provided through multiple insurance carriers.

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