Let’s talk insurance.
I’m David Hicok, I’ve been an insurance professional for decades and I want to share a few insights with you. For starters, there is no shortage of insurance products out there that claim to do all sorts of things. Here at Hicok Financial Solutions, we like to keep things simple and as cost-effective as possible.
For most people, there are 5 key insurance areas to consider in managing risk. Life insurance, Health Insurance, Disability Income, Long-term Care, and Property and Casualty Insurance. Each of these types of policies provides a different kind of security for you, your family and your business so that unexpected events don’t prevent you from living “the life of your dreams”.
We help our clients navigate through a sea of policy choices to find the right combination of coverage and negotiate on their behalf.
If you’re not sure about what coverages you have, the premiums you are paying or whether you have the right insurance at all, we can help. We will look at your current insurance policies and evaluate your needs so we can help you find the right solution.
- Life Insurance: As you likely know, life insurance protects your spouse, family or anyone you care about in the event of your death.
- Health Insurance: You may have a plan through your employer or you may not. Either way, the choices can seem overwhelming. If you have questions and want to get answers, we are here to help.
- Disability Income: Unexpected injury or illness can interrupt income and cause significant financial struggles but disability income can help get you and your family through the tough times. We can help you figure out the best programs to protect your income for you and your family.
- Long-Term Care: Long-Term Care is designed to help pay medical expenses beyond what health insurance or government programs cover under a certain set of circumstances.
- Property and Casualty
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