Insurance Services

Backed by the resources of a full-service public accounting and consulting firm, Duncan Insurance Solutions have allowed clients to save thousands of dollars per year in premium payments, eliminate all premium payments while providing guaranteed coverage for life, or realize reduced premiums for the same level of protection.

A life insurance review is not a life insurance replacement program. Instead, it is part of an ongoing assessment of your ever-changing needs. The focus of a life insurance review consists of analyzing your existing life insurance to determine if it is appropriate for your needs and also to determine whether the type and performance of your existing life insurance will still protect and meet your financial goals and objectives.

Whether life insurance is needed to protect your family, fund an estate tax bill, complete an employee benefit plan or more, it is often central to helping you meet your financial goals and objectives. Just as your financial goals and assets change over time, your life insurance needs also change over the years.

When determining how much insurance is needed to protect your family if something were to happen, many experts offer general rules on how much coverage would be needed. But remember, every family has its own special needs. So much depends on your age, whether you have children, what you earn, what your spouse earns and how much money you have saved. Also important are the amount, type and duration of your obligations—home mortgage, college tuition, as well as other loans and obligations.