Disclosure: Jordan Hyde is a licensed insurance agent and may receive commissions for the sale of insurance products. This creates a potential conflict of interest. Fees for advisory services are separate from insurance commissions. You are under no obligation to purchase insurance through Mr. Hyde and may use any insurance carrier or agent of your choosing. See our full disclosures for details.
Insurance as a Financial Planning Tool
Insurance is the foundation of any sound financial plan. Without proper coverage, a single unexpected event can derail decades of careful planning. We analyze your complete risk profile and recommend coverage that protects what matters most.
Types of Insurance We Help With
| Insurance Type | Purpose | Who Needs It |
|---|---|---|
| Term Life Insurance | Replaces income if you die during working years | Anyone with dependents or debts |
| Permanent Life Insurance | Lifetime coverage with cash value; estate planning tool | High-net-worth individuals, business owners |
| Disability Insurance | Replaces income if you can't work due to illness or injury | Every working professional |
| Long-Term Care Insurance | Covers nursing home, assisted living, or home care costs | Most people in their 50s-60s |
| Umbrella Liability | Extra liability protection beyond auto and home policies | Anyone with significant assets |
How Much Life Insurance Do You Need?
A simple rule of thumb is 10-15x your annual income, but the real answer depends on your debts, number of dependents, spouse's income, existing savings, and future obligations like college funding. We calculate your specific need based on your actual financial picture.