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The Right Business Insurance With The Right Agent For The Right Price

The transactional costs for business insurance are too high. We work with your agent to control these costs by supervising their activity. Another tool is to compare cost and coverage by the benchmarking provided by our affiliation with Crain Langner & Co. Crain Langner & Co. has been serving as Risk Manger to Ohio businesses since 1939. The goal is to protect the core family legacy assets! Business risks are evaluated and solutions are offered to guide the family owned business in the management of risks.

Financial Planning - Life Insurance Portfolio Review

Few industries have changed as dramatically over the past 20 years as life insurance.

Decreases in long term interest rates and lengthening mortality tables have caused many plans to underperform projections.

A developing problem in many programs is the increasing cost of the life insurance premiums as the person ages many plans could become in danger of lapsing even if the regularly billed premiums are paid!

An objective comprehensive life insurance audit would include:

Program performance to date versus original projections.
Appropriateness of the amount, type and design of coverage.
Updated projections and benchmarks to similar plans.
Adjustments for tax planning purposes.

Employee Benefits Consulting

The escalating cost of health insurance is a threat to a family's legacy.

Strategies will be designed to meet this challenge, for both family businesses as well as individual family members who find themselves uninsured. Services may include:

Objective benchmarking of costs to other similar groups
Aggresive negotiation of renewals with the selected agent, broker or insurer .
Find coveage when a family member becomes uninsured.
Assist in the explanation of plan changes to employees of the family office or other family businesses.
Independent evaluation of plan design alternatives offered by the agent, broker or insurer.

Catastrophic Event Planning

Planning for the family's safety, security and the preservation of their legacy.

Each plan is tailored to the family's needs, including business continuity planning for the family's commercial interests. Plan objectives include:

Protect the most valuable asset - the people.
Structure the plan to meet the most likely challenges to the Family Legacy, including founder death, pandemic disease and other catastrophic events.
Family relocation due to an extended disruption of local infrastructure.