Personal and business risk management and protection strategies
Your family, your lifestyle and your legacy deserve thoughtful planning designed to help protect what matters as your life evolves. Insurance planning is designed to help safeguard what you’re building today and support efforts to preserve it for tomorrow.
Your wealth advisor collaborates with dedicated risk management and insurance specialists to evaluate personal and business insurance needs. When appropriate, you may access solutions such as life, disability and long-term care insurance aligned with your goals.
Whether you’re building wealth, preserving assets or planning for what’s next, your coverage is structured with thoughtful design and periodic review intended to help it adapt as your circumstances change.
Common questions about insurance planning
If you’re considering any of the following, it may be worth discussing options with your advisor. These are planning considerations—not one-size-fits-all answers.
If your income stops, your obligations don’t. We use disability and life insurance to help ensure your bills—and debts—are covered without shifting the burden to others.
This is about replacing income and preserving stability. Life and disability insurance work together to help your family maintain their lifestyle and stay on track financially.
The goal isn’t more coverage—it’s the right coverage. We design a layered approach across life, disability and long-term risks so protection is efficient, not excessive.
Without a plan, the business—and your ownership—can be at risk. Buy-sell strategies and key person insurance help provide continuity, liquidity and stability.
When structured properly, insurance can offer tax-efficient way to transfer wealth—helping protect more of what you pass on.
Long-term care can quickly drain assets and impact your family. Planning ahead may help protect your retirement income and give your family more flexibility and support.
Insurance can help create liquidity—potentially helping cover taxes and reduce the likelihood of forced sales—so assets transfer smoothly and as intended.
We use insurance to create liquidity alongside concentrated assets—helping reduce risk without forcing you to sell or restructure.
Insurance can help provide liquidity—supporting ownership transitions and helping your family maintain control without being forced into difficult decisions.
Ready to discuss your insurance needs?
Insurance solutions should fit your life, adapt over time and support your broader financial plan. Connect with your wealth advisor to explore how insurance planning can align with your goals.
Insurance planning strategies are designed to help manage risk and support financial objectives but cannot guarantee outcomes. Coverage availability, features, and tax treatment depend on individual circumstances and applicable law. Any tax-related discussion is for general informational purposes only and is based on current law, which is subject to change.
The registered investment adviser entities of Mariner may not provide all of the services described herein. Some services are provided by affiliates and may be subject to additional fees. Certain representatives are licensed insurance agents with those agencies and are compensated for the sale of insurance-related products. For additional information, refer to www.marinerwealthadvisors.com/legal/.
Benefits provided by insurance products, including any guarantees, are subject to the issuing insurance company’s claims-paying ability.
