Overview
As an independent, client centered advisory, we are not beholden to any one carrier. We explore the market and prioritize what is best for you so every policy is purposeful, efficient, and aligned. From income protection and long term care to legacy preservation and guaranteed income, we bring structure and clarity to a critical planning domain.
Vera Risk Management Framework
Evaluation
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Strategic Design
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Alignment
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Legal
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insurance
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Governance Partners
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Six Domains of Protection
Risk is multidimensional. Organize protection across digital, physical, liability, health, mortality, and longevity.
Digital
Cybersecurity, data, identity, and continuity guidance. Coordinate protections and governance.
Physical
Property and asset protection integrated with financial and operational architecture.
Liability
Personal umbrella, D and O, E and O, and governance exposure evaluation with legal coordination.
Health
Disability, medical, and long term care for families and key personnel continuity.
Mortality
Estate liquidity, succession pathways, and life insurance design for family and enterprise.
Longevity
Income durability, endowment strategies, and structured income planning.
The Risk Management Process
Transform complexity into clarity with a structured approach to protection planning.
Discovery
Assess coverage and exposure across six domains. Identify gaps and alignment.
Prioritization
Rank risks by materiality and urgency to focus attention and resources.
Design
Create a strategic protection plan. Place life, disability, LTC, and annuities where appropriate.
Coordination
Facilitate underwriting, carrier conversations, and policy placement to ensure structure and clarity.
Stewardship
Provide ongoing reviews and updates to maintain alignment as life and business change.
Key Features and Capabilities
Independent and Unbiased Structure
Open architecture access to carriers and product structures with client interest first.
Integrated Insurance Brokerage
Direct design and placement for life, disability, long term care, and annuities.
Comprehensive, Multidomain Framework
Six domains covering personal, enterprise, and strategic exposures.
Collaborative Advisory Model
Coordinate with legal counsel, agents, trustees, and governance professionals.
Advanced Planning Applications
Trust owned policies, key person strategy, charitable leverage, and estate liquidity modeling.
Strategic Risk Evaluation for Businesses and Families
Assess legal, operational, and succession vulnerabilities for continuity and resilience.
Ongoing Risk Stewardship
Regular reviews that reflect evolving needs, exposures, and regulatory change.