Risk Management Strategies United Wealth Advisors Group strives to secure the well-being of its clients through the application of appropriate and proven risk management techniques. Because insurance provides certainty in uncertain times, an objective third-party evaluation of risk-based needs is integral for every successful individual or business concern. Experience, knowledge, independence, and a broad base of advisors enable UWAG to offer customized options that employ a variety of products, concepts, and carriers. Life Insurance: Life insurance serves as the foundation of any comprehensive financial plan. It ensures financial stability for your family and your business in the event of premature death. In addition, life insurance death benefits may be used as an investment vehicle, as they are generally excluded from income tax.Term Life InsuranceWhole Life InsuranceUniversal Life Insurance Indexed Universal Life Insurance Income Replacement Insurance: To guarantee your standard of living, it is imperative that you protect your income. Disability income insurance can protect all, or a portion of your income if you become disabled for a lengthy period of time. Business overhead expense insurance can provide your company with the necessary short-term coverage to ensure that business expenses, including most business loans, are paid when a key employee or owner is disabled.Disability Income Insurance Business Overhead Expense Insurance Long-Term Care Insurance: Long-term health care costs may have a devastating effect on a family’s finances. Long-term care insurance could provide the medical care needed in an affordable manner.Reimbursement Policies Cash Benefit Policies Life Insurance, Long-Term Care and Critical Illness Riders Annuities: Annuities are a means of providing stable income in periods of market volatility. Death benefit riders are also useful to protect principal value.Indexed AnnuitiesFixed AnnuitiesVariable AnnuitiesUnited Wealth Advisors Group collaborates with independent professionals, such as life insurance advisors, property and casualty advisors, long-term care professionals, and annuity income advisors to help ensure that the advice you receive is integrated with your overall financial plan.