Insurance Planning Services
Insurance is About Protecting You and Your Family
McCabe & Associates reviews your coverage against your real risks and the rest of your plan, so your family is protected without paying for protection you do not need.
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The Real Risk
Where Coverage Goes Wrong
Insurance is sold far more often than it is planned. The result is families who are overinsured in one place, exposed in another, and rarely sure which is which.
Gaps You Don't See
The risks most likely to derail a plan: a long illness, a disability, a premature death, are often the ones left uncovered until it is too late.
Paying for the Wrong Coverage
Policies bought piecemeal over the years pile up cost without a clear purpose. You can be overinsured and underprotected at the same time.
Coverage That Ignores the Plan
Insurance bought in isolation can work against your estate and tax plan. The right policy in the wrong structure creates problems instead of solving them.
What We Do
Insurance Planning Services
A coverage review built around your real risks and your full financial plan, with no product to push.
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Coverage Gap Review
We review what you have against what you actually need, so the risks that matter most are the ones that are covered.
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Life Insurance Analysis
We assess how much and what kind of life insurance fits your plan and review if you need advanced strategies to mitigate estate tax.
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Property & Casualty Insurance
We help you identify how your home, auto, and umbrella policy are working together and partner with third-party specialists to optimize this complex insurance area.
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Long-Term Care Planning
We help you plan for the cost of long-term care before it becomes a crisis, looking at both traditional long-term care and hybrid options (such as a life/LTC policy or annuity structure).
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Policy and Structure Review
We review how your policies are owned and titled, so coverage works with your estate and tax plan rather than against it.
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Let's Discuss Your Insurance Planning Needs
Using our virtual family office, you can meet with our advisors from the comfort of your own home while receiving the same level of service you deserve.
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The McCabe Difference
What Makes Our Firm Stand Out
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We view insurance as solution-driven, not sales-driven, so that we're solving problems and not selling products.
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We discuss advanced strategies to help mitigate estate tax and deal with liquidity issues for family businesses after death.
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We coordinate directly with your accountant, attorney, and insurance broker to make sure things are properly titled and that future taxes are taken into account.
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We've vetted third-party specialists for your insurance needs who have decades of experience in their respective fields.
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Before dropping insurance, we review other options such as 1035 opportunities or changing beneficiaries to grandchildren.
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Our clients trust us to handle $1.15B in assets (as of 6/30/2026)
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Insurance Planning Resources
Articles to help you think through the coverage your plan actually needs.
Featured Resource
The Interactive Wealth Bridge
See how insurance fits into a coordinated, lifetime financial plan.
Explore the Wealth Bridge
Insurance Planning Articles
Solving Your Long-Term Care Needs
Three distinct ways to approach long-term care insurance.
Read articleDo You Really Need Disability Insurance?
How to weigh disability coverage against the income your plan depends on.
Read articleTerm vs. Permanent Life Insurance
The difference between the two, and how to think through which fits.
Read articleAudience Playbooks
The 5M Family Wealth Playbook
A planning roadmap for families managing wealth in the multimillion-dollar range.
View playbookFind Your Financial Footing After Loss
A clear path through the financial decisions that follow the loss of a partner.
View playbookThe Business Owner's Exit Playbook
Succession, liquidity, and transfer planning for families whose wealth is tied to a business.
View playbookQuestions
Frequently Asked Questions
Do you sell insurance, or just review it?
We plan around it. Our focus is whether your coverage fits your risks and your plan. When a policy is warranted, we help you put the right one in place, but the starting point is your plan, not a product.
How do I know if I have the right amount of coverage?
We review what you have against what your plan actually needs. Many families are overinsured in one area and exposed in another, and a review brings the two back into balance.
Should I plan for long-term care?
For most high-net-worth families, yes. The cost of care can be significant, and planning ahead gives you options. We weigh the approaches that fit your situation rather than defaulting to one.
Why does policy ownership matter?
How a policy is owned and titled affects your plan a great deal. As an example, if your home is titled in the name of your trust but your homeowner's policy is in your name personally, you may have a problem if you need to file a claim.
Can you work with me if my family lives across the country?
Yes. Through our virtual family office, we review and meet with you wherever you are, with the same level of service as meeting in person.
Is insurance planning the only service you provide?
No. Insurance planning is one part of a coordinated plan. We also handle estate planning, tax planning, investment management, and more, so the pieces work together instead of in isolation.
Direct Services
Investment Risk Management
Identify and mitigate portfolio risk through every market cycle.
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In-depth analysis of opportunities aligned with your long-term goals.
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Continuous oversight with proactive rebalancing strategies.
Learn MoreEducation Planning
Tax-efficient strategies to fund education without disrupting your plan.
Learn MoreRetirement Planning
A sustainable income strategy for the retirement you've worked toward.
Learn MoreCharitable Planning
Maximize philanthropic impact while optimizing tax advantages.
Learn MoreGenerational Planning
Preserve and transfer wealth across generations with purpose.
Learn MoreOrganizing Your Plan
Bring clarity and structure to your complete financial picture.
Learn MoreLiaison Services
Tax Planning
Coordinate tax-smart strategies across your full plan year-round.
Learn MoreCybersecurity
Protect your financial accounts from evolving digital threats.
Learn MoreEstate Planning
Ensure your assets and legacy transfer exactly as intended.
Learn MoreInsurance Planning
Evaluate coverage gaps and optimize protection for your family.
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