“In My Client’s Shoes”

At DTR Insurance Solutions, we take a look at the big picture and ask ourselves, "If we were in the client's shoes, what insurances would we put in place and why?" Click "read more" below to learn about my thought process!

I am a completely independent insurance broker and I go to the market to shop for insurance coverage. If you’re a Millennial like me,, we tend to look at an affordable 20-30 year level Term Life insurance policy coupled with a Long Term Disability policy to supplement the coverages the client has in place at work. If there aren't good definitions available at work or the situation dictates otherwise, we look at a full, own-occupation LTD policy. From a growth standpoint, sometimes a cash-value building Whole Life policy is the way to go, but frankly, they are often too pricey for most families. Either way, establishing a foundation of individually owned life and disability insurance “ensures insurability” both today and in the future for you and your family.

​For folks that are a bit further along in the cycle of life, a Universal Life insurance policy guaranteed to age 100+ often makes the most sense, potentially with a Long Term Care or chronic illness rider to kill a couple different birds with one stone. It’s extremely important to have a plan for getting older and aging with dignity, which is why some form of Long Term Care is vital. Here’s the bottom line - no matter in which direction we head, I'm going to have the best interest of the client in mind every step of the way, no matter what.
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