Broker Check

Insurance Assessment

How much and what kind of insurance do you really need? Whether you’re just entering the workforce or well into your career, a new parent or a business owner, we’ll help you structure an insurance plan that gives you peace of mind and is within your means.

Client Centered

Life Insurance

If your family relies on your income, it’s critical to have enough life insurance to provide for them should you pass away. Too often, however, life insurance is an overlooked aspect of personal finances. According to a 2019 study conducted by Life Happens and LIMRA, which closely follows life insurance trends, nearly 50 percent of Americans say that they have no life insurance coverage at all, even though over two-thirds of Americans recognize the need for it.

There are many options to consider (we work with more than 20 carriers) in finding a solution that is right for you.

Who needs life insurance?


Life insurance helps with the everyday expenses of raising a child, along with saving for tuition and other milestones in your child’s future.


Life insurance ensures you’re covered for any shared expenses or loans.


If you are a business owner, you can name a business partner as the beneficiary of a life insurance policy. The death benefit can be used to keep the business running.


Whether you care for an adult child with disabilities, an aging parent, or someone else, life insurance helps provide financial peace of mind if something happens to you.

Types of life insurance include:

Our Process

Term Life

Our History

Whole Life

Our Values

Key Man Policies

Our Process

Universal Life

Our History

Variable Life

Our Values

Joint or Survivor Insurance

Adaptation Financial’s insurance professionals will work closely with you to find the type and amount of life insurance coverage you need.

Client Centered

Long-Term Care Insurance

It might be difficult to imagine at this time, but it is likely that you will need resources to help take care of yourself later in life.

Long-term care insurance helps to cover the costs of care when you have a chronic medical condition, disability or disorder. Considering the costs of long-term care is an important part of a financial plan if you are in your 50s or beyond. Whether this option is the right choice for you depends on your specific situation and preferences.

People buy long-term care for two primary reasons*:

To protect their savings

Long-term care costs can deplete a retirement nest egg quickly. The median cost of care in a semiprivate nursing home room is $93,072 a year, according to Genworth’s 2020 Cost of Care Survey.

To give you more choices for care

Life insurance ensures you’re covered for any shared expenses or loans.


Client Centered

Disability Insurance

If you become disabled due to sickness or injury and are unable to work, disability insurance can provide protection to help cover your everyday expenses. Did you know that:

  • About 25% of today’s 20-year-olds will become disabled before they retire?
  • Only nine percent of long-term disabilities result from serious accidents?

We can help find a plan that fits within your budget, all to give you the peace of mind you deserve.

Want to learn how we can help? Contact us below.

Thank you!