Insurance

Protecting What Matters Most

Our Approach

Insurance plays a critical role in a well-designed financial plan. It provides stability during unexpected events, protects those you care about, and supports long-term goals with greater confidence. At Lebel & Harriman, we help individuals and families evaluate their needs, review existing coverage, and build insurance strategies that align with their broader financial lives.

Our approach is grounded in clarity and objectivity. We help you understand your options, identify potential gaps, and choose solutions that fit your goals rather than products that feel overwhelming or unnecessary. We integrate insurance decisions with planning, investments, and estate considerations so your protection strategy works cohesively with every other aspect of your financial life.

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Methodology & Differentiators

We evaluate insurance solutions from a wide range of providers so recommendations reflect your needs, not product incentives.

We help you understand how different types of insurance work so you can make informed decisions with confidence.

Insurance decisions are coordinated with your long-term planning, estate strategy, and investment goals.

We review existing policies, identify gaps, and help you determine whether coverage should be adjusted or replaced.

We collaborate with your legal team when planning around trust structures, including Irrevocable Life Insurance Trusts (ILITs).

We monitor your needs over time to help ensure your coverage continues to reflect changes in your life, family, and goals.

Insurance Solutions We Support

Life Insurance

We help you evaluate policies that protect your family, support long-term goals, or provide liquidity for estate planning. This includes term life, permanent life insurance, and strategies coordinated with ILIT structures.

Long-Term Care Insurance

We assist with planning for long-term care needs and evaluating coverage designed to protect your financial resources and reduce the burden on loved ones.

Annuities

We help you assess whether annuities fit your financial goals and retirement income strategy, focusing on simplicity, transparency, and suitability.

Irrevocable Life Insurance Trusts (ILITs)

For clients with estate planning needs, we help evaluate and coordinate life insurance strategies within an ILIT, working closely with your attorney to ensure alignment with your long-term estate plan.

Who We Serve

Individuals and Families

People who want a trusted advisor to help bring clarity and structure to their financial lives.

Professionals and Executives

Those managing complex compensation, equity, retirement benefits, and competing financial priorities.

Business Owners

Owners seeking integrated planning that coordinates personal goals with business strategy and succession considerations.

Retirees and Pre-Retirees

Individuals preparing for or navigating retirement who want confidence in their income, investments, and long-term plan.

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