Insurance & Risk Management

Provide protection and leave a legacy for your family

Customized risk management plans for families.

Asset preservation
Income replacement and family protection
Long-term care planning and irrevocable life insurance trusts

Your Risk Management Plan

When it comes to insurance, it’s important to understand your options so that you and your family have protection when you need it most. With adequate insurance planning, you’ll have confidence that both your family and your legacy are secure. With adequate insurance planning, you'll have confidence that both your family and your legacy are secure.

Insurance plays a key role in a well-balanced financial plan. Your Wealth Management Advisor will take the time to understand your family’s financial goals. Then, we’ll evaluate the role that insurance can play in meeting those goals, whether it’s survivor benefits in the event of premature death, income benefits when you reach retirement, income replacement in the case of a disability, benefits to cover long-term care services, or leaving behind a legacy. Our advisors are ready to help you find the right protection for your personal situation.

How have you protected your family in the event of a long-term disability?

Find the right protection

Your advisor will evaluate the role insurance plays in meeting your goals such as:

  • Survivor benefits in the event of premature death
  • Income benefits when you reach retirement
  • Income replacement in the case of a disability
  • Benefits to cover long-term care services
  • Leaving behind a legacy

Key questions

  • How have you protected your family’s financial security if you were to die prematurely?
  • How have you protected your family in the event of a long-term disability?
  • When is the last time you reviewed your life, disability and long-term care policies?
  • What measures have you taken to evaluate self-insuring long-term care and its impact on your retirement?
  • Do you have a plan to handle the possibility that you could become financially responsible for your parents?
  • How are you planning to efficiently distribute your growing wealth to your heirs while minimizing taxes?
  • How have you assessed estate liquidity shortfalls?

Any guarantees are based on the claims-paying ability of insurer.

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Securities are offered through Raymond James Financial Services, Inc., Member FINRA/SIPC. View the Raymond James privacy notice.

Union Bank & Trust, Union Investment Services, and Union Wealth Management are not registered broker/dealers, and are independent of Raymond James Financial Services. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Securities are not insured by bank insurance, the FDIC, or any other government agency, are not bank guaranteed, are not deposits or obligations of the bank, are subject to risks, including the possible loss of principal.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

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