Protect What You’re Building Without Having to Think of Everything
Your life is made up of things you care about and work hard for. You have a career you’re proud of, people who rely on you, or maybe a business you’ve grown from the ground up. You don’t want to leave any of it to chance, but you also don’t want to spend your whole life worrying about what could happen. Insurance should protect the components of your life, but finding the right coverage can be frustrating, stressful, and overwhelming.
At 3FG, we approach risk and insurance the same way we approach everything else: we listen first, and then help you understand your risks, identify any sneaky gaps, coordinate insurance with your financial and legal plans, and ultimately, create a clear, intentional strategy. We kick out the scare tactics, and we find thoughtful solutions instead of selling products.
You stay involved in the decisions. You don’t have to navigate them alone.
Do I Really Need Insurance Coverage?
We help you ask the right questions to figure out what you need–nothing more, nothing less–and then help make it happen.
Life Insurance: Protecting the People Who Matter
You won’t always be around. Life insurance can be a great way to make sure the people you care about are supported if something unexpected happens.
We help you think through:
- Who relies on you financially (now and in the future)
- How life insurance can support partners, children, or chosen family
- Coverage that reflects your actual responsibilities—not outdated assumptions
- How life insurance works alongside your estate plan
Disability Insurance: Protecting Your Ability to Earn
Do you think of your income as an asset? You should, and that means it’s worth protecting. Disability insurance helps protect you if illness or injury prevents you from working. We’ll help you figure out:
- How long you could realistically go without income
- What type of protection makes sense for your career and lifestyle
- How disability coverage fits into your broader financial plan
Property & Casualty Insurance: Protecting What You Own
Homes, cars, rental properties, and personal belongings are part of the life you’ve built. They deserve proper protection, and we’ll help you find out what’s right for you, by reviewing needs and options like:
- Homeowners and renters insurance
- Auto coverage
- Umbrella policies for added protection
- Gaps or overlaps you may not realize you have
Coverage for Professionals and Business Owners
For high-achieving women in professional fields like private medical or legal practice, your income is one of your most valuable assets, but here’s the kicker: often, it’s not fully protected by default.
- What happens if you can’t work temporarily or long-term?
- How can you protect your income, not just your job title?
- If you’re self-employed or a practice owner, are there any coverage gaps?
- How does insurance fit alongside savings, investments, and your business structure?
Coverage for LGBTQ+ Families and Non-Traditional Households
Insurance planning often assumes a very narrow version of family. We don’t. At 3FG, we help ensure your coverage reflects:
- Your actual relationships
- Your chosen family
- Your responsibilities and caregiving roles
- Your legal and financial realities
Long-Term Care: Planning Ahead Without the Panic
People tend to avoid long-term care insurance because it isn’t exactly fun to think about. We help you tackle this beast so you can age in style instead of worrying about who will take care of you. We’ll work together to identify:
- What care might realistically look like for you
- How long-term care fits into your overall plan
- Whether insurance makes sense, and at what level
- How planning ahead can protect your independence and your loved ones