OUR PROCESS
OUR PROCESS
THE PRISM PLAN
Prism Insurance Services uses a planning-first process designed to help clients evaluate insurance strategies based on retirement goals, income needs, family priorities, liquidity concerns, and long-term financial objectives.
COMMON QUESTIONS
Questions clients often ask about our process.
Transparency throughout the process
Our process begins with understanding the client’s goals, retirement priorities, protection concerns, liquidity needs, and broader financial circumstances. Insurance strategies are then evaluated within the context of the overall retirement plan before recommendations are made.
No. Clients are not required to purchase insurance products to work with Prism Insurance Services or affiliated firms. Recommendations should be evaluated based on the client’s individual goals and circumstances.
Insurance strategies are reviewed based on factors such as retirement income needs, protection goals, liquidity considerations, time horizon, risk tolerance, beneficiary objectives, contract terms, and overall financial priorities.
Prism Insurance Services may receive commissions from insurance companies when insurance products are purchased. Compensation can vary depending on the product, carrier, and contract structure.
Insurance strategies should not be evaluated in isolation. Investments, taxes, retirement income sources, estate considerations, liquidity needs, and long-term financial goals can all impact whether a strategy may be appropriate.
Insurance strategies should be reviewed periodically as retirement goals, family needs, income priorities, and financial circumstances evolve over time.
Prism Insurance Services helps clients evaluate strategies involving annuities, life insurance, protection planning, retirement income considerations, and legacy planning objectives depending on the client’s needs.
Transparency matters throughout the process.
Insurance recommendations may result in commissions paid to Prism Insurance Services. We believe clients should understand how recommendations are made, how compensation works, and how insurance strategies fit within the broader planning process.
Review your retirement planning priorities with the Prism team.
Our process is designed to help clients evaluate options thoughtfully, understand tradeoffs clearly, and determine whether an insurance strategy truly fits their long-term objectives.