Protecting What Matters – Our Insurance & Risk Management Services
Insurance planning as part of a complete financial strategy
At Synergy Wealth Management, we believe financial planning isn’t just about building wealth—it’s also about protecting it. Our insurance and risk management services help Houston families, professionals, and business owners prepare for life’s uncertainties, from illness to disability to long-term care needs.
This page outlines the role of life, disability, long-term care, and annuity solutions in securing your financial future.
Our Core Insurance & Risk Management Services
Preparing for the unexpected with the right strategies
Our advisors understand that protecting your family and assets is as important as growing them. By analyzing your financial picture, we help determine which types of insurance best support your needs. Each client’s plan is designed to deliver peace of mind without unnecessary costs.
Life Insurance for Family & Legacy
Life insurance provides income replacement, pays off debts, and can even support wealth transfer or charitable giving.
Long-Term Care Planning
We help address rising healthcare costs through insurance solutions or funding strategies.
Disability Protection
Your earning power is your greatest asset; disability insurance ensures your income continues even if you can’t work.
Annuities & Insurance Solutions
For some clients, annuities provide lifetime income and protection against longevity risk.
Practical Protection That Works for Your Budget
Coverage that fits your goals without overpaying
Insurance should feel like protection, not a burden. We work with clients to find the right balance of cost and coverage so they’re prepared without overspending. Our advisors also review existing policies—such as old life insurance or employer-provided coverage—to confirm whether they still align with your needs. By fine-tuning coverage, you gain security and efficiency in your financial plan.
Insurance & Risk Management FAQs
Straightforward answers from Houston financial advisors
What insurance do I need as part of my financial plan?
The right insurance depends on your age, income, dependents, and overall financial goals. Most people benefit from life insurance, disability coverage, and potentially long-term care insurance. Our advisors create a personalized plan that evaluates these needs and recommends only what’s essential.
How can I protect my assets and family if something happens to me?
Insurance serves as the safety net for unexpected events like illness, disability, or death. Life insurance ensures your family’s expenses are covered, while disability insurance replaces income if you can’t work. We evaluate your situation and recommend a mix of solutions to protect both your loved ones and your assets
Do financial planners help with life insurance or long-term care?
Yes. At Synergy Wealth Management, insurance is a key part of financial planning. We don’t just sell policies—we analyze your bigger picture and advise on coverage that supports your goals. This includes life insurance, disability protection, and long-term care planning.
When should I get long-term care insurance?
The best time to consider long-term care coverage is in your 50s or early 60s, before costs rise and health concerns make it difficult to qualify. Planning early provides more options and affordability. Our team helps you decide if and when coverage is appropriate for your circumstances.
Can Synergy review my existing policies?
Absolutely. Many clients come to us with outdated life or disability policies that no longer fit their needs. We review existing coverage and determine whether it makes sense to keep, adjust, or replace those policies as part of your overall plan.
