Insurance Decisions, Made Clear
Helping individuals, families, and business operations make smart, integrated insurance decisions—without the confusion.
Who We Help With Insurance Planning
Ascent Advisors provides insurance guidance for individuals, families, and business owners who want coverage decisions that support long-term financial outcomes—not just policies.
Our insurance planning is integrated with wealth management and consulting, so risk management aligns with personal goals, business realities, and generational plans.
Individuals and Families
Protecting income, health, and long-term financial stability
We help individuals and families evaluate and structure insurance solutions that support their broader financial plan. This includes guidance around:
Income replacement and disability considerations
Health-related risks and long-term care planning
Life insurance as part of estate and legacy coordination
Aligning coverage with cash flow, assets, and future goals
Our focus is on making insurance decisions that are appropriate, understandable, and aligned with how your life is evolving.
Farm Families and Business Owners
Managing risk across operations, employees, and generations
For farm families and closely held business owners, insurance plays a critical role in protecting value and supporting continuity. We work with clients who need insurance strategies that align with:
Ownership and succession planning
Key person and leadership risk
Business continuation and buy–sell planning
Employee and family-related exposures
Insurance is coordinated with business consulting and financial planning so it reinforces—not complicates—long-term strategy.
Multi-Generational Families
Supporting succession, estate planning, and family goals
For families planning across generations, insurance decisions affect more than premiums. We help families structure coverage that supports:
Estate and legacy planning objectives
Liquidity needs during transitions
Fairness among heirs and stakeholders
Long-term family continuity
Our role is to ensure insurance functions as a planning tool—not a standalone product—within the broader family and financial system.
Our Services
Life Insurance:
Income Protection
Legacy Planning
Business Continuity
Long-Term Care:
Planning for care without draining family or assets
Disability Insurance:
Protecting your most valuable asset: your ability to Earn
Business & Farm Risk:
Coverage aligned with operations and ownership structure
Health Insurance:
For Individuals & Families
Marketplace and private plan navigation
Evaluating deductibles, networks, and out-of-pocket risk
Planning around major life changes (retirement, self-employment, early exit)
For Farms & Small Businesses
Group health insurance strategies
Cost control without sacrificing coverage
Employee retention and benefits planning
For Transitions & Life Events
Medicare planning and enrollment guidance
Coverage during business or farm succession
Health insurance coordination during retirement planning
At Ascent Advisors, insurance is never sold in isolation.
We integrate insurance decisions with your:
Financial plan
Business or farm structure
Estate and succession goals
Risk management strategy
This means fewer gaps, fewer surprises, and coverage that actually does what it’s supposed to do when it matters most.