V.F. Associates, Inc. offers comprehensive and sophisticated capabilities in all aspects of life insurance and disability insurance. Particularly today, with insurance industry problems (and even failures) making frequent headlines, it is imperative for the insurance consumer to turn to professionals with proven experience and knowledge in helping clients meet their insurance needs.
Through our state-of-the-art computer hardware and software, knowledge of and daily contact with numerous insurance companies, and more than twenty-five years of experience, we are well qualified to provide the following services:
♦ Identify and quantify insurance needs of a client.
♦ Work with other professional advisors (attorneys and accountants) to devise the most appropriate structure for integrating the insurance component into the overall financial plan of the client--whether the client happens to be an individual or a business entity.
♦ Screen and evaluate various insurance companies and products and choose those which best match the specific insurance needs of a client.
♦ Provide on-going policy services, interact with other advisors to ensure that the client's insurance needs are met in light of changing tax laws, insurance product innovations, and the client's own circumstances.
♦ We design and implement group employee benefits plans, including health insurance, life insurance, short-term disability, long-term disability and long-term care.
♦ We can provide comprehensive financial and estate planning services.
♦ We select those companies and products which, in our opinion, represent the best combination of financial strength, guarantees, investment performance, mortality costs and expense ratios.
We are an independent insurance agency and have access to products from hundreds of insurance companies. Thus, we are able to bring to a client a varied selection of companies, products and services.
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