# Insurance Planning

NWMG reviews insurance planning as part of a broader financial plan. Coverage decisions should support income protection, survivor needs, healthcare planning, long-term care planning, and the portfolio outcome the client is trying to preserve.

Coverage areas include:

- Health and Medicare review. NWMG does not sell health insurance or Medicare plans; advisors help clients review options during renewal periods.
- Life insurance planning through a needs analysis that considers income, debts, dependents, lifestyle goals, tax situation, and existing coverage.
- Disability insurance planning focused on protecting a client's ability to generate income.
- Long-term care planning that considers insurance, HSA prepayment strategies, government benefits, care options, and facility selection.

Primary contact: https://nwmgadvisors.com/contact/
Canonical page: https://nwmgadvisors.com/insurance/