Risk and insurance review
We compare your insurance with the risks your household needs to cover, explain what the policies do, and help you decide whether anything needs to change.
Talk with Joseph
Review the coverage you have
Compare coverage with your needs
We look at life, disability, property and liability coverage alongside your income, obligations and resources. Healthcare and potential long-term care costs also need to fit the wider plan, rather than being reviewed in isolation.
Read the policies you own
We review costs, terms, exclusions and current policy illustrations, including any loans or approaching deadlines. You should understand what the coverage does, what it costs and which assumptions deserve a closer look.
Decide what needs to change
Sometimes the right next step is to keep what you have. If coverage is needed, we explain why and coordinate with independent agents, without receiving product commissions or referral compensation.
Common questions
If you do not sell insurance, why review it?
Because coverage is part of a financial plan whether or not the person reviewing it is paid on it. Our review is separate from the sale of a policy. We receive no product commissions or referral compensation.
I was told my indexed universal life policy is a tax-free retirement plan. Is that right?
That framing is usually oversold, and the honest answer depends entirely on the specific contract, its costs, and how it is funded and accessed. Send us the policy and the in-force ledger and we will tell you exactly what you own.
What if I do need more coverage?
We will say so directly and help you get it placed through an independent agent. We receive no commission or referral compensation in that process.
How do you review coverage without selling me a policy?
Nearly all insurance advice is delivered by someone paid a commission on the outcome. That does not make it dishonest, but it does make it structurally difficult to hear the words you sometimes need to hear, which are that you already have enough, that this policy is not serving you, or that the cheapest term policy is the right answer.
Valerio Wealth Management sells no insurance products and takes no commissions. We hold no insurance license and earn nothing from what you decide to buy or keep. That is a limitation and it is the entire point. It means an audit of what you own against what you actually need, with no incentive pointing toward any particular answer, and it means that when the recommendation is to keep what you already have and do nothing, we can simply say so.
It also means that when coverage is needed, we will tell you that too. In that case we coordinate with independent agents to get it placed properly and receive no compensation for the referral.
What do you look for in a policy I already own?
For permanent policies such as whole life, universal life, and indexed universal life, the starting point is an in-force ledger from the carrier, which projects the policy forward at current rates rather than the numbers on the illustration used to sell it. Illustrations are projections, not promises, and the assumptions inside them, including caps, participation rates, and credited interest, can change after issue.
Comparing what a policy was projected to do against what it is now actually on track to do is often the single most clarifying document in the file. Where policy loans exist, we look at whether a lapse would trigger a taxable event, which is a damaging surprise and an avoidable one.
For term coverage, the questions are whether the amount still matches the obligation it was bought to cover, whether the term outlasts the need, and whether there is a conversion deadline approaching that is worth acting on before it passes. For disability insurance, the definitions matter more than the premium: whether the policy is own-occupation or any-occupation, how benefits are taxed depending on who paid the premium, and how group coverage interacts with an individual policy.
Long-term care planning gets an honest funding conversation, including self-funding as a legitimate option for households that can absorb the cost. Property, casualty, and umbrella coverage are reviewed against your actual net worth, since liability limits set years ago are frequently far below what is now at risk. Where a replacement or an exchange under IRC section 1035 is worth evaluating, we run that analysis on the merits rather than as a reason to transact.
What exactly is included?
- Life insurance needs analysis
- Audit of existing policies, including whole life and IUL
- Disability coverage review
- Long-term care planning and funding analysis
- Property, casualty, and umbrella coverage review
- Medicare enrollment guidance
- Coordination with independent agents when coverage is needed, with no commission to us
- Policy replacement and 1035 exchange analysis
- Homeowners, flood, and windstorm coverage review
- Health plan selection and HSA strategy
- Business coverage review: key person and buy-sell funding
- Identity theft and cyber protection review