Insurance & Risk Management
Protecting your retirement requires more than investments alone. Insurance and risk management strategies provide a safety net for life’s uncertainties and ensure your plan is resilient against the unexpected.
- Independent Broker
- Major Carriers
- Virtual or In-Person
Insurance as Part of Your Financial Plan
At Roger Fishel Financial, insurance is not an afterthought—it is central to the Protect (Preserve) stage of our mission: Plan • Protect • Prosper. We believe coverage decisions should be made within the broader context of your retirement income, taxes, and estate planning strategies. This ensures every piece of your financial puzzle works together to reduce risk and support your long-term goals.
Because we are independent brokers, we are not tied to any one carrier or product. Instead, we leverage decades of experience and access to all major insurers to help you shop smarter. Whether you’re seeking to strengthen your overall plan or simply compare prices and benefits across the marketplace, we provide comprehensive side-by-side comparisons so you can make informed choices with confidence.
The result? You get the clarity of unbiased advice, the convenience of one-stop shopping, and the confidence that your insurance solutions truly align with your financial plan.
Independent Broker
Access to top carriers and competitive rates.
Save time
You don't need to spend hours or even days doing the research. We do it for you.
Save money
We will find you the best coverage at the best price and make sure its coordinated with your overall plan.
Florida & Nationwide
Local to Florida, virtual support for clients nationwide.
Types of Insurance We Offer in Florida and nationwide
We provide access to a full suite of insurance solutions. By comparing multiple carriers side-by-side, we make shopping easier, more transparent, and tailored to your needs. From income protection to healthcare costs, we help you navigate the complex insurance world with confidence.
Life Insurance
Term, permanent, and legacy planning options tailored to your family’s needs.
Medicare Insurance
Bridge the gaps in Medicare coverage and reduce your out-of-pocket costs.
Disability & Critical Illness
Income protection and lump-sum benefits in case of illness or injury
Annuities
Considered when guaranteed income or principal protection fits your plan.
Home & Auto
Property and auto coverage through leading carriers.
Ancillary Insurance
A variety of affordable specialty coverage options
Why Insurance is important to your overall financial strategy
Insurance is about protecting your plan from risks you can’t predict. Without the right coverage, a medical event, accident, or premature death could undo years of careful saving and investing. With insurance integrated into your financial strategy, you gain peace of mind and preserve the legacy you’ve worked for.
- Replace income for loved ones
- Cover healthcare gaps Medicare doesn’t pay
- Offset longevity, sequence, and tax risks
- Protect assets from unexpected costs
- Create optional guarantees alongside investments
Frequently Asked Insurance Questions
The right coverage depends on your stage of life, assets, and risk tolerance. A proper risk assessment looks at income replacement needs, outstanding debts, estate goals, and potential liabilities. An advisor can help you avoid being underinsured (leaving you exposed) or overinsured (wasting money on unnecessary premiums).
It’s best to review your coverage once a year or whenever you experience a major life event—such as retirement, marriage, divorce, new grandchildren, buying a home, or starting a business. Regular reviews ensure your coverage keeps up with changing needs and laws.
An advisor helps you:
Assess risks you may not have considered.
Compare insurance products for best value.
Integrate coverage with your overall financial plan.
Ensure your policies align with retirement, estate, and tax strategies.
Yes. Certain types of insurance—such as cash value life insurance and annuities—can provide tax-deferred growth, tax-free income (if structured properly), and efficient wealth transfer strategies. This helps retirees lower taxable income while still protecting assets. live in Bookmarksgrove right at the coast
Retirees without proper coverage may face:
Rapid depletion of savings due to medical or long-term care expenses.
Loss of retirement income from market downturns.
Unexpected liability lawsuits.
Reduced ability to leave a legacy to heirs.
Self-insuring means setting aside your own money to cover potential losses instead of paying premiums to an insurance company. While this may work for small, predictable expenses, most individuals and retirees cannot afford to self-insure large risks such as medical costs, lawsuits, or long-term care. Insurance provides financial leverage by transferring those risks to an insurer.
Ready to Protect What Matters?
Our team will compare top carriers and tailor a protection plan designed for your needs.