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ICM Insurance Planning

Client Centered

Insurance planning is a vital part of a successful financial plan. Our focus on Business Liability, Workmen’s Compensation Coverage, life Insurance, Disability Insurance, Medicare Supplemental Insurance & long Term Care Coverage will make sure that all potential risks are covered. We have the ability to work with most major insurance carriers through: Morstan General Agency, Ash Brokerage, Aetna, UnitedHealthCare, EmblemHealth, AFLAC and more!

Insurance Planning protects against both the inevitable and the unforeseen.  They protect families from the financial consequences involved in the death of a loved one as well as help business continue in the event of the owner’s death or disability.

Effective insurance planning encompasses much more than just you insurance needs.  Insurance planning strategies can significantly reduce estate taxes, insure key employees in a business and fund succession plans for privately owned and public companies.  Life Insurance can also be used to equalize the distribution of your assets when one child is involved in taking over the business but the other children are not.

We can help you determine what type of insurance product is right for you.

  • Term Life Insurance
  • Permanent Variable, Universal Life, Index Universal Life or Whole Life
  • Individual Disability Coverage and or Business Overhead coverage
  • Which Long Term Care Policy is right for you
  • Which Medicare Supplemental or Medicare Advantage Insurance is right for you.
  • Which Supplemental Health Insurance
  • How Much Business Liability or Workmen’s Compensation is adequate


ICM Insurance Planning is not  affiliated  with, nor endorsed by, LPL Financial.

Failing to Plan is Planning to Fail!

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