Insurance Group

We simplify the understanding of life insurance, long term care, medicare, disability & annuities.

Insurance Group

Protecting your Financial Foundation is a critical component of your overall financial plan, requiring careful and diligent scrutiny to assess potential risks and prepare for short and long-term needs in life.  At SharpePoint Insurance Group, our team of experienced Advisors will tailor a comprehensive plan for each client utilizing the best programs available.

Your most important assets are intangible, such as your life, your health, your ability to earn income.  Building a solid protection plan for these intangibles can help to alleviate the need of making important decisions while in a time of crisis.  The insurance decisions you make will vary based on your family structure, age, tax strategies, business environment, etc.  These unknowns can be clearly navigated when you partner with SharpePoint Insurance Group.

Life Insurance is a critical necessity for almost every person at some point in life.  Loss of income can be devastating for your loved ones, and life insurance can bridge that need.  Life insurance can also be used to fund many business agreements and create tax-favorable assets.  Complimenting retirement and providing additional benefits for a long term care need are other benefits to a solid life plan.

Disability Insurance protects against a potentially devastating loss; your ability to make an income.  If you are injured or ill and are unable to work, the long-term effects on your financial plan can be permanent.  Disability Insurance provides a stream of income to navigate the loss.

Annuities are an often-misunderstood financial vehicle, and our Advisors work hard to educate our clients on the benefits of every program they support.  The only product available on the market today that guarantees you will never run out of income, even if you run out of money, is an annuity.  Not all annuities are created equal, and the right plan can make a huge impact on your retirement years.  If you have an existing annuity and are unsure of the benefits or the fees contained in your contract, our Advisors are thoroughly skilled at evaluating and clarifying the mystery for you.

Learn more about how using iPension can improve your retirement income plan. Click Here.

The use of the iPension during retirement.

“The accumulation phase doesn’t matter and you never know how good or bad your advisor is until you take out that 1st dollar of income in retirement.” ~Peter Lynch, CPA

We know that the accumulation phase of investing is different from the distribution phase. Simply put, the accumulation phase is growing the investment and financial portfolio, and the distribution phase is taking income from the investment portfolio.

Proper planning is crucial to maintain a safe and profitable retirement.

There is absolutely no need to go broke. A good plan and an Advisor who knows how to manage your assets in the distribution phase are keys to financial peace of mind.

With an iPension in place a client has the peace of mind of accumulating assets while protecting their investment from the downturns in the market. Additionally, the iPension can be used to create pension-styled guaranteed income but without losing control of your principle.

Traditional pensions allowed for guaranteed payments for one’s life but there was no access or control of the underlying principle of accumulated monies.

The iPension provides an alternative.

Long Term Care plans have evolved over the years, and there are many options available today that were not in existence even 15 years ago.  Statistically, more than 50% of all people will need some form of long term care in their lifetime.  Having a definitive action plan in place ahead of time can bring peace of mind to you and your loved ones.  Our Advisors can help you make that decision.

Insurance is about the right plan and having it actually in place when you need it.  The cornerstone of a good financial plan is a solid foundation of insurance.

Long-Term Care (LTC)

Our population is ageing and long-term care insurance is a primary concern of many clients approaching or in retirement. Many factors go into the decision or whether or not to buy long term care insurance and facts matter. “At least 70% of people over 65 will need long term care services and support at some point in their lifetime.” US Department of Health and Human Services. ( 8/29/18.


Live, love, leave well —Mario Alban Santos. There are many uses and types of Life Insurance and we can help find the right plan that meets you. Check out our “Quote and Apply” link below to learn more about a plan that fits your family’s needs.


Volatile markets, low interest rates and longer life expectancies are changing the way clients save and plan for retirement. Annuities provide unique asset class that can help with all of these issues.


When it comes to considering your Medicare options, you can spend hours doing your own research or you can speak to our onsite, licensed agent with Sharpepoint. We will compare your options to find the coverage that’s right for you at a price that fits your budget. There are numerous Medicare election periods, each of them serving a different purpose when it comes to signing up for benefits. Changes happen every year with Medicare. We are here to help explain it to you. Get the benefit of great counsel along with great choices.  All at no cost and no obligation to you.

Disability Income

You most likely have people that depend on you; from college tuition to mortgage payments. If you rely on your income and they as well, then you should know that disability income insurance can help you protect your income should you become too sick or hurt to work.

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Insurance is the foundation of any good financial plan.  A home without a solid foundation is likely to crumble. 

Enhancing and Protecting Life Well-Lived