Insurance Services
At Capital Area Planning Group, we help clients protect what matters most by offering a full range of insurance solutions tailored to their needs. Our services include permanent and term life insurance, disability insurance, home and auto insurance, umbrella liability insurance, long-term care insurance, and both fixed and variable annuities.
In keeping with our commitment to act as fiduciaries and provide unbiased advice, we offer access to insurance solutions from all the major carriers. Because we are not tied to any one insurance company, our recommendations are always based solely on what is in the best interest of each client.
Whether you are looking to safeguard your family's financial future, protect your income, or secure your retirement, we work alongside you to design a customized strategy that fits seamlessly into your broader financial plan. Our goal is to ensure that every insurance solution we recommend not only meets your immediate needs but also supports your long-term vision.
Term Life Insurance
Term life insurance provides affordable, straightforward protection for a set period of time, typically 10, 20, or 30 years. It is often used to cover temporary needs, such as replacing income during working years, paying off a mortgage, funding a child's education, or protecting a business.
Because it offers a high level of coverage for a relatively low cost, term insurance is a popular choice for individuals and families looking to safeguard their financial goals during critical life stages.
We have partnered with Policy Genius to provide you with a term-life insurance solution that is quick and easy to use.
Want to receive a free quote for term life insurance coverage?
Home and Auto Insurance
Home and auto insurance are foundational forms of coverage designed to protect against property damage, liability claims, and unexpected losses related to your residence or vehicle. These policies help cover repair or replacement costs, medical expenses, and legal fees resulting from accidents, theft, or natural disasters.
Since the COVID-19 pandemic, premiums have been steadily rising due to persistent supply chain disruptions, higher repair costs, and an increase in extreme weather events, making it more important than ever to review your coverage and ensure it aligns with current risks.
We have partnered with Independent Property and Casualty Group to provide you with home and auto insurance solutions that fit your unique needs.
Want to receive a complimentary review of your home and auto policies?
Umbrella Liability Insurance
Umbrella liability insurance provides an extra layer of protection beyond the limits of your home, auto, or other primary liability policies. It is designed to help protect your assets and future income in the event of a major claim or lawsuit, covering legal costs, medical bills, and damages that exceed your underlying policy limits.
For high-income earners or individuals with significant assets, umbrella coverage is a critical tool for preserving wealth and reducing personal financial exposure.
We have partnered with Independent Property and Casualty Group to provide you with umbrella liability insurance solutions that fit your unique needs.
Want to receive a complimentary review of your umbrella liability policy?
