Life insurance
Protection and liquidity for families, business owners and long-term legacy objectives.
INSURANCE & RISK MANAGEMENT
IN DEVELOPMENT
Protect what you have built.
Prepare for what comes next.
Alessan Assurance Group is the developing insurance and protection practice within the AFG brand.
Start a conversation ↗PLANNED CAPABILITIES
Protection with a purpose.
The practice is being developed around the needs of business owners, families and enterprises, with access through approved insurance relationships.
Business continuity
Key-person, buy-sell and succession-related protection for closely held enterprises.
Disability & long-term care
Income protection and planning for the financial impact of disability and extended care.
Annuities & retirement
Appropriate insurance-based retirement and income options through approved providers.
Benefits & enterprise protection
Selected life and health-related group and executive benefit solutions.
Premium financing
Planned access to lender-funded life insurance premiums for qualifying clients. Loan costs, collateral and policy performance require careful evaluation.
RISK MANAGEMENT
Connect the risk to the protection.
Identify the exposure, consider the financial impact, and evaluate appropriate insurance or risk-transfer responses. Coordinate estate and succession objectives with the client’s legal and tax advisers.
In development
Insurance services will begin after the required producer and agency authority, carrier arrangements and onboarding are active. Product availability will depend on the approved providers and the client’s circumstances.
BUSINESS OWNERS & FAMILIES
Protection belongs inside the larger plan.
A business may create value over decades while still depending on one person, one income stream or one ownership agreement. The planned AAG approach considers the financial consequences of those dependencies before selecting insurance.
Protect income
Consider the family’s dependence on earnings and the impact of death, disability or long-term care needs.
Protect enterprise value
Examine key-person exposure, continuity funding and buy-sell objectives.
Provide liquidity
Coordinate policy objectives with estate, succession and legacy plans prepared by qualified advisers.
A CONSIDERED PROCESS
Purpose first. Policy second.
The planned practice begins with needs, existing coverage and financial capacity. Policy design, costs, exclusions and ongoing commitments should be explained clearly before implementation.
THE NEXT STEP