Insurance Planning for Life’s Uncertainties

Protecting Your Plan From the Unexpected

Even the most thoughtful financial plan can be upended by the unexpected. That’s why Crane Capital Management includes risk management as a core part of our process. We evaluate insurance needs not to sell policies, but to ensure families have the right protections in place. As fiduciaries, we provide objective advice so you know whether your existing coverage is adequate—or if adjustments are needed to keep your goals on track.

Review Coverage

Aligning Protection With Your Goals

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Life Insurance

We analyze how much life insurance is needed to support dependents and cover major expenses if something happens. For many, term life provides cost-effective protection, but we also review existing permanent policies to see if they’re aligned with your goals.

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Disability Insurance

A long-term disability can disrupt income more than any other risk. We evaluate whether your work policy is enough and recommend supplemental coverage when necessary to replace lost income.

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Long-Term Care Insurance

Planning for potential long-term care is a common concern. We discuss policy options, hybrid solutions, or self-insuring strategies depending on your resources and goals for retirement.

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Health, Property, and Liability

While we don’t sell health or property insurance, we review your coverage to make sure you’re protected—whether that’s bridging early retirement healthcare costs or adding umbrella liability for additional protection.

Coordinating Risk for Your Business and Family

If you own a business, insurance often plays a role in succession and continuity planning. This may include key person insurance, buy-sell agreement funding, or liability coverage in coordination with your attorney. By integrating business insurance into the broader financial plan, Crane Capital ensures your company’s stability is part of your family’s stability.

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Independent Advice, No Product Sales

We don’t sell insurance for commission. Instead, we provide unbiased analysis of what you already have and what you might need. Many clients come to us with old policies or group coverage through work—our role is to assess if those align with today’s needs. And when life changes—marriage, children, new business ventures—we update your coverage recommendations so protection remains in step with your goals.

Insurance Planning FAQs

  • How do you determine how much life insurance I need?

    We review your income, debts, family needs, and existing assets to calculate the right coverage amount—so policies support your goals without overpaying.

  • I already have insurance through work. Is that enough?

    Group policies are often limited and not portable if you leave your job. We’ll evaluate whether supplemental coverage is needed for your family’s protection.

  • What about long-term care insurance—should I buy it?

    It depends on your net worth and goals. Some clients benefit from policies or hybrid solutions, while others choose to self-fund. We help you weigh the costs and benefits.

  • Do you help with claims or changes?

    Yes. As part of our service, we guide clients through updating beneficiaries or filing claims when needed, so support is available at critical times.

Protect What Matters Most

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