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Risk Management Services & Personal Insurance

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Insurance is something most people need, but very few understand.

Risk management and personal insurance must be considered as an integral part of the financial planning process. Just as you insure your house, car and other property against loss, you should also ensure that you hold suitable personal life insurance against illness or death.

Have you thought about how your family or your partner would cope financially if you died or were not able to work? Personal insurance can help to prevent your dependents from being financially disadvantaged if you die, suffer a medical crisis or are disabled.

Davies Wealth Management provides risk management services in Stuart, FL with a focus on developing holistic financial and risk management plans that create a positive impact on your financial goals. Risk management will allow you to identify and manage risks that otherwise would have jeopardized your financial health.

Facts you should know:

Over 95% of Americans do not have adequate levels of personal life insurance and 30% say they don't have any form of personal life insurance.Lifewise/NATSEM study, 2010

83% of American car owners insure their car but only 31% insure their income.AAMI Fact Sheet, Shopping for Car Insurance, September 2008

2 of 3 Americans have been disabled for more than one month and 1 of 5 wouldn't be able to find $500 in an emergency.Ernst and Young for BT American Financial Health Index, 2013

Protect your future through effective risk insurance

We can't protect you from misfortune — a serious accident or illness for example — but we can help you weather the storm if it strikes. We can help ensure that you, or your family, will continue to have the financial resources you need and lifestyle you want at the most crucial times — without the forced loss of investments, 401Ks, IRAs, or property. How? In several ways:

Business Protection
Personal
Protection
Estate Planning
Risk Insurance
1
Personal Risk Protection

By making sure you have the right kind of insurance cover and the right amount that is suitable for you. Depending on your individual situation and objectives, these may include Life Insurance, Trauma Insurance and Income Protection Insurance.

2
Estate Planning

Get it wrong and your loved ones could end up with a lot less than they should have, or be left fighting over your assets. Get it right and you can arrange the transfer of your assets with a smooth transition. We work closely with your lawyer and accountant to plan for your needs.

3
Business Protection and Succession Planning

What if your business lost the services of a key person? Who will take over or buy your business and how can you get the most for it if you sell? These are all questions that need to be answered with a comprehensive plan based on expert advice and commercial experience.

Personal Risk Protection

Risk management, and in particular personal insurances, are a vital ingredient of any comprehensive financial plan. Our experienced financial planners specialise in tailored personal insurance.

Life Insurance

Life Insurance pays a lump sum to your dependents if you die. It is designed to provide you with the reassurance that your loved ones will be looked after financially if you're no longer there to provide.

The amount of money paid out depends on the level of cover you buy. You cannot rely on the government to take care of your family. If you want to provide for your family financially if you die, life insurance is a must.

Total & Permanent Disability Insurance

TPD cover is a form of insurance that will provide you with a one-off payment in the event that you become totally and permanently disabled from a serious illness or injury that leaves you unlikely to ever return to work at your normal capacity ever again. The lump sum insurance payment is often used to eliminate debts, pay for medical expenses or fund any permanent lifestyle changes resulting from disablement.

Income Protection

20% of mortgage defaults are due to "illness or accident in household" and every year thousands will find themselves unable to work due to injury or serious illness.

Income protection cover will ensure you can still manage financially if you were put out of work for a period of time by replacing up to 75% of your income until you can start working again, until you retire, die or the end of your policy term — whichever is sooner.

Critical Illness (Trauma) Cover

Critical illness cover also known as trauma insurance will pay out a lump sum if you get one of the specific medical conditions or injuries listed within the policy. Examples of critical illnesses that might be covered include heart attack, stroke, certain types and stages of cancer and a range of other conditions. Unlike health insurance, you can decide how you'll use the payout from your critical illness insurance.

Risk Management Services in Stuart, FL

Davies Wealth Management is a leading provider of financial risk management services in Stuart, FL. We can help you protect your assets and manage personal risk in an effective and efficient way.

Areas Served

  • Palm Beach Gardens, FL
  • Jupiter, FL
  • Hobe Sound, FL
  • Stuart, FL
  • Palm City, FL
  • Palm Beach, FL
  • Parkland, FL
  • Weston, FL
  • Fort Lauderdale, FL
  • Jupiter Island, FL
  • Vero Beach, FL
  • Coral Gables, FL
  • Miami, FL
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684 SE Monterey Road
Stuart, FL 34994

772 210-4031

DaviesWealthManagement@TDWealth.Net

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