Protection Plans That Fit Your Life and Your Strategy 

Insurance is more than just a safety net — it’s a core part of a strong financial plan. The right coverage helps protect your income, your loved ones, and your long-term goals. At Gamble Risk Management, we focus on helping you understand each type of insurance, how it works, and where it may fit into your broader financial strategy. 

Life Insurance

Life insurance provides a tax-free death benefit to your beneficiaries, offering financial security in the event of your passing. Beyond this protection, certain types of life insurance — such as whole life or indexed universal life — can build cash value over time.

Common Riders (Living Benefits):

Accelerated Death Benefit Rider – Access a portion of your death benefit if diagnosed with a terminal illness.

Chronic Illness Rider – Access funds if you cannot perform certain daily living activities.

Critical Illness Rider – Lump-sum payment upon diagnosis of qualifying conditions like heart attack or cancer.

Strategic Placement:

Wealth transfer to heirs

Income replacement for dependents

Cash value growth for strategies like Infinite Bankin

Collateral for loans in certain planning strategies

Recommended Uses:

Family protection, estate planning, supplemental retirement income

Disability Insurance

Disability insurance replaces a portion of your income if you’re unable to work due to illness or injury. Short-term coverage may last a few months, while long-term coverage can extend to retirement age.

Common Riders (Living Benefits):

Residual Disability Rider – Pays partial benefits if you can work in a limited capacity.

Cost of Living Adjustment (COLA) Rider – Increases benefits over time to match inflation.

Future Increase Option Rider – Allows you to increase coverage without new underwriting.

Strategic Placement:

Income protection in financial plans

Debt repayment security in case of lost wages

Business continuation for owners and key employees

Recommended Uses:

Primary earners, self-employed professionals, anyone with significant fixed expenses

Long-Term Care Insurance (LTC)

Long-term care insurance helps cover the costs of extended care services — at home, in assisted living, or in nursing facilities — when you can’t perform certain daily activities on your own.

Common Riders (Living Benefits):

Shared Care Rider – Lets spouses share pooled benefits.

Inflation Protection Rider – Increases benefit amounts over time.

Return of Premium Rider – Refunds premiums if benefits aren’t used (varies by policy).

Strategic Placement:

Asset protection against high care costs

Estate preservation for heirs

Family relief from caregiving burdens

Recommended Uses:

Retirement planning, legacy protection, high-net-worth households

Annuities

Annuities are contracts with insurance companies designed to provide a steady stream of income, either immediately or at a future date. They can be fixed, indexed, or variable.

Common Riders (Living Benefits):

Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider – Ensures income for life.

Enhanced Death Benefit Rider – Increases or protects the amount paid to beneficiaries.

Cost of Living Adjustment Rider – Adjusts payments to offset inflation.

Strategic Placement:

Retirement income stability

Market risk mitigation

Tax-deferred growth on principal

Recommended Uses:

Lifetime income, market volatility protection, estate planning

Whether you're just starting your financial journey or looking to refine your existing plan, our goal is to equip you with the clarity, tools, and confidence to make the best decisions for your future. Book Your Consultation today and take the first step toward your own financial independence.