Insurance Solutions

Help protect the people and financial priorities that matter to you.

A death, disabling illness, or need for care can create significant financial pressure. Appropriate insurance coverage can help address those risks, from providing financial support for your family after your death to helping replace income if you cannot work.

Harlig Financials offers insurance solutions with personal guidance, helping you assess your needs, understand your options, and evaluate coverage that fits your circumstances and budget.

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Carrier choice

Options across multiple insurance companies

Insurance options are not limited to a single carrier. We compare available policies based on your coverage needs, premiums, benefits, limitations, underwriting considerations, and insurer financial strength ratings.

The goal is to identify an appropriate fit among the carriers and products available through our insurance relationships, considering both affordability and the protection provided.

How we can help

Assess your insurance needs

Discuss who depends on you financially, what resources and coverage you already have, and which risks you want to address. We help you consider whether insurance is appropriate, how much coverage to explore, and what fits your budget.

Review your existing coverage

A complimentary review can help you understand your current policies, including premiums, benefits, limitations, and whether the coverage continues to address your needs. The review may support keeping your existing coverage. There is no obligation to purchase or replace a policy.

Compare available policies

Evaluate options across multiple carriers, with attention to costs, coverage terms, exclusions, optional benefits, and insurer financial strength. We explain the differences to help you make an informed decision.

Explore options after a decline or higher premium offer

A decline or higher premium offer from one insurer does not necessarily mean every insurer will reach the same decision. We can explore whether another available carrier may consider your circumstances. Approval, premiums, and coverage terms remain subject to the insurer's underwriting.

Types of coverage

Coverage we can help you evaluate

Life Insurance

Help provide financial support for the people who depend on you after your death. Coverage can help address needs such as replacing income, paying debts, and funding family expenses. Term and permanent policies can be evaluated based on the duration of your needs, your budget, and your goals.

Disability Income Insurance

Help replace a portion of your income if a covered illness or injury prevents you from working. Important considerations include how disability is defined, when benefits begin, how long they last, and available optional benefits.

Long Term Care Insurance

Help plan for the potential cost of care if you need assistance with daily activities or meet other policy eligibility requirements. Options can be evaluated in light of your resources, care preferences, and the policy's benefits, limitations, and premium obligations.

Annuities

Annuities may help address goals such as retirement income, predictable interest, or accumulation without direct stock market investment. Fixed annuities offer a stated interest guarantee, while fixed indexed annuities credit interest based in part on an index, subject to contract limits.

Available options are evaluated against your goals, time horizon, and need for access to your money. Considerations include surrender charges, withdrawal restrictions, applicable costs, and limits on interest crediting. Guarantees depend on the issuing insurer’s claims paying ability.

Permanent life insurance

Understanding permanent life insurance

Permanent life insurance comes in several forms, including whole life, universal life, and indexed universal life. These policies differ in their premiums, guarantees, cash value features, and funding requirements.

Available options are evaluated against your protection needs, budget, and financial priorities. Mendel has experience helping clients understand indexed universal life policies, including their costs, limitations, and illustrated assumptions.

Personal guidance

A direct, personal relationship

From discussing your needs and comparing options to navigating application requirements and reviewing an offer, you work with the same person from start to finish.

The focus is clear explanations, personal attention, and helping you understand the coverage you are considering.

How insurance is offered

Agency, compensation, and your choice

Agency and individual capacity

Insurance services are offered through Harlig Financials, LLC, a Florida licensed insurance agency, or by Mendel Harlig in his individual capacity as a licensed insurance agent, where appropriately licensed and appointed.

Compensation

Harlig Financials, LLC or Mendel Harlig receives commissions on insurance sales. This creates a conflict of interest because the compensation provides a financial incentive to recommend insurance products.

Your choice

You do not need to be an investment advisory client to receive insurance assistance. Advisory clients are not required to purchase insurance through Harlig Financials or Mendel Harlig, and you may work with another insurance professional.

Insurance products and compensation are separate from investment advisory services and fees.

Have a coverage question?

Whether you are considering new coverage, reviewing an existing policy, or exploring options after a decline, start with a conversation about your needs and what you want to protect.