Insurance Planning and Risk Management

Collaboration One of our core strengths is coordinating an effective team of professionals to evaluate and execute customized solutions that can help you achieve the specific goals outlined in your planning.

In all four areas of personal insurance — life insurance, disability, long-term care, and individual property and casualty — The Bensman Group, with nearly three decades of experience, develops solutions for clients through our access to a wide range of highly respected insurance companies.

We take a very personal approach, reviewing a client's current insurance coverages, needs, objectives, and a wide range of “what-if” scenarios. After extensive comparative analysis, we provide specific recommendations based on each client's unique requirements including financial position, cash flow, contractual features and flexibility. Our knowledge base and relationships with insurance companies enable us to secure attractive underwriting decisions that can truly make a difference to our clients.

Life: We work closely with clients to determine the amount of coverage required, as well as the types of insurance needed, including term, universal life, or variable universal life policies while taking into account estate planning needs.

Disability: We offer creative solutions to meet our clients' personal and business income replacement needs. We maximize the comprehensive coverage available by including both traditional and specialty insurance.

Long-Term Care: As life expectancies increase, long-term care has become an increasing need for clients seeking to preserve their quality of life and protect their financial assets. The Bensman Group's long-term insurance care specialists are experienced in matching client needs with available coverage.

Individual Property and Casualty: This is a cornerstone of our practice, distinguishing us from many financial services firms. We add significant value for our clients by evaluating their exposures and providing the broadest forms of coverage available. In many cases, our experience and knowledge make the difference when negotiating delicate matters on behalf of our clients.