Insurance Products

At Higher Ground, we want to create personalized strategies...not peddle policies.

We will only recommend insurance products after a complete needs analysis has been completed. 

Through the process, we seek to cover your permanent life insurance needs with permanent protection; we seek to cover your temporary life insurance needs with term insurance; and we seek to incorporate disability and/or long term care protection into the overall insurance foundation.

Using a component style approach, we will present what we believe to be the best solutions to each of these areas, and then you as the client will 'pick and choose' by prioritizing what components you wish to install immediately, the components you wish to delay, and the ones you simply don't deem necessary.

But the bottom line is this: at the end of the needs analysis exercise, you should 1) know what your needs are, and 2) what it would take to cover them.

As stated in our Mission Statement; "Prescription Before Diagnosis Equals Malpractice."