Financial protection for yourself and your family is critically important. 

Peaked Ridge is an independent insurance broker that will help you objectively assess your needs then scour the market to help you find the best products and pricing.  We’ll also tell you if we think you have enough insurance already!

Disability Insurance

For most working Americans, their lifestyle depends on their ability to earn an income. Disability insurance is income insurance. If you can’t work because you’re sick or injured, disability insurance will pay you money so you can pay your bills.

Even if you have disability insurance at work, it might not be enough. Most group disability plans will replace 60% of your base salary, and this is often taxable.

If you have group insurance, ask yourself if you could live comfortably with a 40% pay cut if you get sick. If not, you should consider a supplemental policy to properly protect your income.

We will review your existing coverage, assess your needs, and make an objective recommendation on how to resolve any potential gaps in your coverage.


Here’s a group disability example:

  • Monthly salary: $5000

  • Tax rate: 25%

  • After tax take home pay while working: $3750

  • Group LTD benefit: 60% and taxable

  • Gross LTD benefit: $3000

  • After tax take home pay while disabled: $2250

  • Monthly shortfall despite a solid LTD plan: $1500

Life Insurance

When was the last time you reviewed your life insurance policies? Most people don’t give this much thought. Over time, your needs change, and more often than not, the coverage you get at work is insufficient.

We will review your existing policies, assess your needs, and make objective recommendations to make sure you’re properly protected, scouring the market to make sure you have the best pricing. We’ll even tell you if you already have enough life insurance!

Life insurance options we offer:

  • Term

  • Universal life

  • Whole life

Long Term Care Insurance

According to the U.S. Department of Health and Human Services, nearly 70% of 65-year olds will need some form of long-term care in their lifetimes. And long term care services are really expensive - costs easily reaching 6 figures per year. One of our clients spent over $10,000 every 2 weeks for 24/7 home health care. Very few Americans could cover these costs.

We firmly believe that the possibility of needing long term care is one of the largest financial risks that Americans face today. There are several different solutions to this problem.


Here are some solutions to consider:

  • • Ignore the problem

    • Self insure

    • Long term care insurance

    • Life insurance with a long term care rider

    • Life insurance with a chronic illness rider

    • Hybrid policies and products