Insurance Insights, LLC

What are the most common things that can derail a business (the 5 D's)? A: Death, Disability, Divorce, Distress, and Disagreement—common, predictable events that force unplanned exits or damage value if you haven't prepared. Call us to see how we can help you avoid these predictable events for your business

Secure Your Business Legacy Email from Todd Shelbaugh Plan for the future       Plan Your Legacy Learn More     Introduction to Business Succession Planning   Introduction to Business Succession Planning is essential for entre

Women face unique challenges regarding long-term care due to longer lifespans and caregiving roles. At Insurance Insights, we understand these challenges and offer tailored insurance solutions that empower women to make informed decisions about their financial future and care needs. Our comprehensive plans ensure peace of mind, allowing women to focus on their health and aspirations.

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Empowering Women's Financial Futures Email from Todd Shelbaugh Plan for your future   Home / News / Contact   Empowering Women The impact of longevity and caregiving on women is a significant issue that requires attention and planning. W

Life insurance serves not only as a personal protection tool but also as a vital asset for business continuity. With proper planning, life insurance can be leveraged for buy-sell agreements, executive benefits, preserving business value, attracting and retaining key talent, and funding future retirements. For business owners, we offer guidance on the role of life insurance in succession planning, compensation strategies, and safeguarding essential personnel. Our approach helps clients gain comprehensive insight, illustrating how life insurance solutions can bring added value beyond conventional discussions. Let us show you how.

Why Small Businesses Need Life Insurance Discover how life insurance can protect your business and explore the different types available for your needs.

As we gather to celebrate Thanksgiving, we express our sincere gratitude to all our clients and partners. This season reminds us of the importance of connection and appreciation. May your Thanksgiving be filled with joy, laughter, and cherished moments.

Wishing You a Wonderful Thanksgiving Email from Insurance Insights Happy Thanksgiving           Happy Thanksgiving As we celebrate Thanksgiving, we at Insurance Insights want to express our gratitude for your presence in our lives. May t

Will Group Long-Term Disability coverage be enough?

Although Group Long-Term Disability (GLTD) provides important basic income protection to employees, the level of income protection may not be adequate.

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Expenses like mortgage or rent, food, utility bills and credit cards still pile up, even if you can’t work. And medical bills from the illness or injury can often make a bad situation even worse. Disability insurance can help cover these and more.

Permanent life insurance is a nice luxury to own for long term objectives, but term insurance is essential to provide financial security to your family in case of your untimely death, ensuring they can manage financial obligations, maintain their lifestyle, and continue with their financial goals. It's a cost-effective way to offer substantial life coverage and can be a crucial component of a solid financial plan.

Here's why term insurance is important:

1.Financial Security: It provides a lump sum payout to your beneficiaries, which can help them cover debts, daily expenses, children's education, and other financial obligations.

2.Income Replacement: Term insurance can replace your income, ensuring your family's financial stability if you are no longer able to work.

3.Affordable Coverage: Term insurance offers high coverage at affordable premiums, making it accessible to a wide range of individuals.

4.Tax Benefits: Death benefits are paid to your beneficiaries tax-free.

5.Flexibility: You can choose the duration of the policy and add riders for additional coverage, like critical illness or accidental death benefits.

6.Protection for Assets: The death benefit can help your family repay outstanding loans and protect assets you've acquired.

7.Peace of Mind: Knowing your family is financially secure in your absence can provide peace of mind and reduce stress.

8.Long-term Financial Goals: Term insurance can help your family achieve long-term financial goals like saving for a child's education or marriage.

In essence, term insurance is a fundamental tool for protecting your family's financial future and ensuring their well-being in your absence.

49% of Americans couldn’t make it six months before financial
difficulties set in—and 11% said they would have problems immediately. This is why you should consider having disability income insurance as part of your insurance portfolio. Consider it paycheck protection insurance.

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When you’re choosing a law firm, you’re not just hiring legal help—you’re choosing a team to protect what matters most.

At Boatman Ricci, we offer clear guidance, strategic thinking, and a relationship-first approach to every case. We’re committed to delivering real solutions with honesty, precision, and purpose.

Choose a firm that stands with you—every step of the way.

Allow us to provide you with personalized planning from our list of concierge services offered through Insurance Insights. Our goal is to change your perspective on planning. Call us today to see why we're the right fit for you.

Just over 1 in 4 of today's 20-year-olds will become disabled during their working years before reaching age 67. It could be anything from a car accident to cancer. Insuring your income is just as important as insuring your car, your home, and your health. Call us today to see if a personal Disability Income policy is right for you.

Why disability insurance matters & who should get it Many people think they don't need disability insurance beyond the basic coverage offered by their employer. But it's a safeguard that can protect your family's finances when you need it most.