Insurance Planning and Policy Review

Insurance planning that grows with you

With Domain Money, insurance isn’t about products—it’s about peace of mind. Our CFP® professionals make insurance a core part of your financial strategy, keeping you protected through every stage of life.

Unlike traditional insurance agents, we don’t sell policies or earn commissions. Our fiduciary guidance is transparent, unbiased, and in your best interest.

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Personalized insurance planning

Life changes fast. An annual insurance checkup makes sure your coverage keeps pace with your needs, helping you

Avoid gaps

That could leave your family or assets exposed when you need protection most

Reduce costs

Prevent overpaying for outdated or overlapping policies

Adjust coverages

For milestones like marriage, children, salary changes, or buying a home

Even without major life events, re-shopping policies once a year helps you close gaps, avoid overpaying, and find better coverage as your life evolves.

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The annual insurance checkup

Life changes quickly—and your insurance should keep pace. That’s why we recommend a yearly review of your coverage. It’s not just about checking boxes, it’s making sure your protection grows with you.

Here’s when a checkup is especially important:

Your insurance foundation

Life is full of what-ifs. That’s why insurance is more than a safety net—it’s a cornerstone of your financial foundation.
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Here’s how we help you think through coverage:

Health insurance planning

We’ll help you navigate plan options so your coverage fits your life. HMOs keep costs low but limit you to in-network providers. PPOs offer flexibility to see specialists without referrals, but at higher premiums. POS plans combine both. We guide you in weighing premiums, deductibles, and out-of-pocket costs to make sure your health plan works for your family and your financial goals.

Disability insurance

We help you choose the right disability income insurance for your career and risk profile. Own-occupation policies pay if you can’t perform your specific job—ideal for specialized professionals. Any-occupation policies pay only if you can’t work in any role suited to your skills, making them cheaper but more restrictive. We evaluate your income, career stage, and tolerance for risk to ensure you and your family are protected.

Life insurance

Life insurance planning provides your family with security during life’s most challenging moments. Term life is affordable and straightforward for set periods. Whole life offers lifetime protection plus cash value growth, and indexed universal life (IUL) adds flexibility and market-linked growth. We help you choose a policy that fits your life stage, goals, and budget.

Property and casualty

We’ll help you build property and casualty coverage that protects what matters most. Dwelling coverage safeguards your home against fire, storms, and other perils. Liability coverage protects you if someone is injured on your property or if you damage someone else’s. We work with you to balance coverage and cost, so your assets—and your peace of mind—stay secure.

What you get with Domain Money

When you work with a Domain Money CFP® professional you’re not just buying a plan—you’re building a partnership designed to evolve with your life.

Here’s what’s included:

The Domain Money difference

With us, you don’t just get a plan—you get a partner.

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Frequently Asked Questions (FAQs)

How often should I review my insurance coverage?

At least once a year—or sooner if you experience major life changes like marriage, a new home, children, or a salary increase. An annual review helps ensure your coverage matches your current needs.

Why choose a flat-fee advisor for insurance planning?

Flat-fee planning eliminates conflicts of interest. You get objective advice focused on protecting your family and finances—not on selling you policies.

Can I change my insurance coverage if my needs change?

Yes. Insurance policies can typically be updated, increased, or adjusted as your life changes. Regular reviews help you close gaps, avoid overpaying, and make sure your protection stays aligned with your goals and lifestyle.

Do I need life insurance if I already have coverage through work?

Employer policies often provide limited coverage and may not transfer if you leave your job. A personal policy ensures continuous protection tailored to your family’s long-term needs.

What’s the difference between term and whole life insurance?

Term life covers you for a set period at a lower cost, while whole life offers lifelong protection and a cash value component. We’ll help you decide which fits your goals and budget.

When should I update my insurance beneficiaries?

You should review beneficiaries any time you experience a life change—marriage, children, divorce, or major financial milestones.

*This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied on for, investment, tax, legal, or accounting advice. Please consult your own financial advisor or tax professional before making any decisions. Domain Money, LLC is a registered investment adviser. Registration does not imply a certain level of skill or training.