Life, disability, and long-term care insurance.
We review existing policies and help individuals, families, and business owners compare coverage. We also offer annuities and business insurance for key-person and buy-sell needs.
Already have policies? Start with a coverage review. We do not handle home or auto insurance.
Coverage we review and arrange.
We review your income, savings, family responsibilities, and existing policies before discussing additional coverage.
Life insurance
Term, permanent, survivor, and trust-owned policies, sized for the family, the mortgage, the business, and the estate plan behind them.
Disability income
Income protection for professionals, business owners, and households that depend on earned income.
Long-term care
Compare traditional coverage, hybrid policies, and paying for care from your own resources.
Annuities
Annuity options for retirement income and protection, with terms, costs, and guarantees explained before you apply.
Business protection
Key-person coverage, buy-sell funding, and owner planning so a business agreement has the money behind it.
Ownership and beneficiaries
Policy ownership and beneficiary designations set up to match your trust, your estate goals, and your family.
Common reasons to review coverage.
Family changes, business agreements, and care needs can change the coverage you need.
Estate liquidity
When most of a family's wealth sits in property or a business, there may not be cash on hand to cover taxes, debts, or equal treatment of heirs. Life insurance owned by a trust supplies that cash so nothing has to be sold in a hurry.
Business partners
Business partners may use insurance to fund a buyout after a partner dies. We review the coverage alongside the buy-sell agreement.
Households relying on one income
A household relying on one income may need coverage for the mortgage, education costs, and other expenses if that income stops.
Long-term care
We compare care coverage and costs with your savings and the support your family could provide.
Carriers we work with.
A focused group of carriers we know well. We explain the product, the cost, and the compensation before a client applies.
How insurance compensation works.
Insurance compensation comes from the carrier when a policy or annuity is placed. There is no separate advisory fee for insurance placement, and we walk through the carrier relationship before an application is submitted.
Insurance Pricing DetailsWhat clients ask about insurance.
No. We review what you already have and whether additional coverage is needed. We may recommend keeping your existing policies.
That is a common starting point. We review policy type, cost, coverage, ownership, beneficiaries, surrender charges, and whether the policy still serves the reason it was purchased.
No. We focus on life insurance, disability income, long-term care, annuities, and certain business coverage. Home, auto, commercial liability, and workers' compensation are different insurance lines.
Yes, when you authorize it and when it makes sense. Koala Law and Wealth Management are separate engagements you can add. Insurance affects estate documents, beneficiary designations, business agreements, and retirement income planning, so the teams coordinate.
Request a consultation.
Tell us what you need help with. We will follow up within 1 business day to arrange a 15-minute introductory conversation. There is no obligation, and you do not need to gather documents before reaching out.
Request received
Thank you for reaching out. A member of the Koala Insurance Solutions team will be in touch within 1 business day.
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