Insurance & Risk Management

Because life is full of surprises, ensuring that you, your family, and your assets are adequately protected by insurance is a critical component of your successful wealth management plan. As a fiduciary, we provide independent, fee-based financial, risk management, and insurance planning services. You benefit from the experience and advice of our insurance experts and other financial specialists. We have no ties to specific carriers, so we recommend policies that provide the best combination of value and price to meet your needs.


Our insurance (CLU®) and CERTIFIED FINANCIAL PLANNER (CFP®) professionals can help you understand the importance of risk management, identify potential risks to your personal financial situation, create a customized strategy for addressing those risks through a variety of insurance products and other tools, and integrate that strategy into your comprehensive wealth management plan.


As an independent insurance department, we have a responsibility to provide reliable recommendations based on our analysis of your circumstances and our own experience. We have no ties to specific carriers, so we recommend policies that provide best combination of value and price to meet your needs.

Life Insurance

The death of a family member is a devastating and painful experience that no amount of insurance can ease. However, having the right life insurance coverage can help to protect your family from additional financial devastation.

We can help you understand all your life insurance options, including:

  • Providing a legacy to your family or philanthropic interest
  • Establishing a discounted source of liquidity to pay estate taxes
  • Life insurance trusts
  • Policy owner and beneficiary designations
  • Income tax and estate tax considerations
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Disability Insurance

Consider your chances of becoming disabled. It may seem like a remote possibility, but statistics tell a different story: three of every 10 Americans entering the workforce today will become disabled before they retire.* In fact, a 35-year-old office worker leading a healthy lifestyle has a 21 percent chance of becoming disabled for three months or longer during his or her working life – and a 38 percent chance that the disability will last five years or longer.**

By taking away your income, even a temporary disability can wreak havoc on your family’s financial situation. This is why disability income insurance should be a critical part of your overall wealth management plan.

We take a holistic approach to determining your appropriate level and type of disability insurance coverage, ensuring that it fits well within your overall wealth management plan and provides you and your family with peace of mind.

*Source: Social Security Administration Statistics.
**Source: Council for Disability Awareness. The 2010 (CDA) Long Term Disability Claims Review.

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Long Term Care Insurance

70 percent of Americans who are age 65 today will need long-term care during their lifetime. And that care is expensive – from annual nursing home fees (often exceeding $110,000 in the NJ and NY area) and assisted living facilities ($80,000 or more) to in-home care.

Long-term care insurance can be your family’s safety net. AEPG can help you give this critical area of risk management the attention it deserves, with independent, practical advice from our insurance experts. We can help you identify your long-term care insurance requirements based on your specific situation and goals.

*Source: Department of Health & Human Services.

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Annuities offer additional options for your retirement planning. They guarantee a steady stream of income that retirees can’t outlive, and we find they can be a valuable tool for certain individuals.

There are many annuity products on the market – some with high costs or below-market features. Our experts can help you navigate this complex area and make the best choices to match your goals and personal circumstances.

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