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Protect the life you love and all you’ve worked for.

We help align coverage with your current needs and long-term goals, so your decisions support the life you’ve built and the future you envision.

Life changes, insurance can keep your plan moving forward.

An uninsured risk event (disability, death, long-term care need, liability suit) can undo decades of wealth accumulation in a single moment. Insurance is part of how a plan holds up when life changes.

Get the coverage you need to protect what matters.

Do you have sufficient coverage and the appropriate types of coverage? We review what you have, identify gaps or overlap, and align recommendations with your long-term goals and what you want to protect most.

Life

Life

Protect your family and replace income.

Disability and income protection

Disability and income protection

Safeguard your income and maintain cash flow.

Long-term care

Long-term care

Plan for care needs and protect your assets.

Liability and property

Liability and property

Protect your assets and reduce risk exposure.

Insurance guidance that is integrated into the planning process.

Insurance guidance that is integrated into the planning process.

At Cetera Planning Partners, the insurance conversation is not siloed to one person. Your Wealth Advisor, CPP In-house Insurance Specialist, and other team members work together to form recommendations that truly reflect your broader financial picture. Instead of providing isolated advice, you’ll receive a coordinated plan designed to instill confidence and security concerning your financial future.

See How We Work

We find custom solutions for common coverage gaps.

Many people’s existing insurance policies are set up at different times for different reasons. We help review what you have, identify gaps or overlap, and connect coverage decisions back to what you really need to mitigate real risk and build stability into your broader plans.

Income protection 

Income protection

If you could not work, how long would your plan hold up?

Long-term care 

Long-term care

Care needs can add up and change plans quickly if they are not accounted for.

Business continuity gap 

Business continuity gap

If something happens to you as the business owner, what happens to your business and your family?

Liability gap 

Liability gap

Base policies may leave personal assets more exposed than expected.

Estate liquidity gap 

Estate liquidity gap

Does your plan ensure sufficient cash can be made available, at the time it is needed?

Family protection gap 

Family protection gap

Would your current coverage actually replace your income and support dependents?

More options and personalized solutions, for you.

We offer carrier-independent insurance guidance. Instead of starting with one company’s products, we start with your needs. Then we shop the market on your behalf, compare options, plans, and costs across carriers, and structure coverage that supports your broader financial plan.

Frequently asked questions about insurance planning.

If you are here, chances are, you have a question about insurance coverage. Here are some questions we frequently hear from clients, and how we approach insurance planning and protection.

Insurance is part of how a plan holds up. A coverage gap can change retirement, tax, or estate decisions quickly. We include insurance so protection stays connected to your broader financial picture, not handled as a separate, one-off task.

We start with what you already have. If coverage still fits, we keep it. If there are gaps, overlaps, or outdated details, we walk through options and tradeoffs so any change is tied to a clear reason.

We help evaluate key protection areas, including life, disability and income protection, long-term care, and liability and property coverage. Needs vary by household, so we focus on what matters most in your plan.

We begin with what your plan needs to protect. Then we look at income, obligations, dependents, assets, timelines, and existing coverage. From there, we can outline ranges and options that match your goals and comfort level.

We are not tied to a single insurance carrier. We provide carrier-independent guidance, which means we can shop the market on your behalf. That allows us to compare options across carriers and recommend coverage that fits your needs, rather than a single company’s lineup.

Insurance is not siloed. Your advisor, planner, and insurance specialist collaborate so coverage decisions reflect your full picture, including cash flow, goals, and other planning priorities.

Most households benefit from a regular review and an updated look during major life events, such as marriage, a new child, a move, a business change, or approaching retirement. We help set a cadence that fits your situation.

We will reach out to schedule a short call, understand what prompted your request, and answer initial questions. If it looks like a fit on both sides, we will outline the next steps for a review. No obligation, just a conversation.