Income replacement, first.
Term ladders, permanent-policy roles inside an estate plan, and the disability coverage households most often overlook.
The pattern we see most
A term policy bought years ago for a mortgage that has since shrunk, alongside no disability coverage at all — even though for most working households, the ability to earn is the largest asset on the balance sheet and the least protected one.
Sizing starts with the household, not the product
Sizing starts with what the household actually needs replaced, for how long, and what existing group coverage already handles, before any product is discussed.
What’s included.
- Need-based term life analysis — how much replaces what income the household relies on
- Permanent / whole-life roles in estate plans
- Group-LTD gap analysis — what employer disability coverage actually covers
- Own-occupation disability structuring (coverage that pays if you can't do your specific job)
- A policy review and repricing conversation roughly every 3 years
How it works.
Review existing coverage
We inventory current life and disability policies, including group coverage through an employer, so you see everything in one place.
Size the gap
You get a clear picture of what would actually need replacing, and for how long, based on the household's real obligations.
Revisit on a cycle
We check back in roughly every three years, so coverage keeps pace as circumstances change.
Answers from the practice.
How is life insurance need calculated?
By starting with what the household actually needs replaced — income, debt, and future obligations like education — and subtracting what existing group and personal coverage already handles, rather than sizing to a rule of thumb.
Why is disability coverage often underbought?
Because the risk feels abstract until an injury or illness happens, even though for most working households the ability to earn is the largest asset on the balance sheet. Group long-term disability through an employer often covers less than it appears to.
Is life and disability planning right for my situation?
It fits households where someone's income carries the plan, where coverage predates a mortgage, a child, or a business — or where disability coverage was never addressed at all. A first conversation is how we find out — observations are shared, decisions stay yours.
What happens after I reach out about life and disability coverage?
We start with a conversation about who and what the household depends on. We inventory existing group and personal policies, and give you a clear picture of any gap between what's covered and what the plan actually needs.
Coordinate with the rest of the firm.
Long-Term Care
It fits households weighing how future care would be paid for — through coverage, through earmarked assets, or through some combination.
InsuranceProperty & Liability
Umbrella, valuables, and excess-liability coverage coordinated with the rest of the risk plan.
Estate PlanningEstate Planning
Trusts and wills coordination, wealth transfer, and charitable planning with estate counsel.
Talk through life & disability.
An introductory conversation is the easiest way to learn whether 755 Financial is the right fit.
Schedule a Conversation