What is integrated insurance planning?

Integrated insurance planning is the practice of coordinating your insurance coverage — life, disability, liability, and long-term care — with your broader financial plan, including your investments, tax strategy, and estate plan, so that all elements can work together designed to protect your wealth.

What types of insurance should be part of a comprehensive wealth plan?

A comprehensive wealth plan typically considers life insurance for legacy and estate planning purposes, disability insurance to protect income, personal umbrella insurance to extend liability coverage beyond standard policy limits, and long-term care insurance to help cover potential caregiving costs later in life.

What is a nuclear verdict, and why does it matter for my insurance coverage?

A nuclear verdict is a jury award of $10 million or more. These awards have increased significantly in recent years, making it more important than ever to ensure your liability coverage — including umbrella insurance — is calibrated to your current asset base and risk exposure. 3

How do I find out if I have gaps in my insurance coverage?

An insurance review conducted by a team that understands your full financial picture is an effective way to identify gaps. At Mercer Advisors, our Insurance Solutions Team reviews your existing policies alongside your wealth, estate, and tax plan to help determine whether your coverage is comprehensive and properly coordinated.

When should I review my insurance coverage?

We recommend an annual review as well as a review following any major life change — such as a change in net worth, the acquisition of a new property, a family milestone, a business event, or a change in beneficiary status.

Does Mercer Advisors provide insurance through its own team?

Mercer Advisors has an internal Insurance Solutions Team that works alongside your wealth advisor to conduct reviews and identify coverage options. We work with a number of highly-rated insurance carriers to present options suited to your individual situation.

What is Mercer Advisors Insurance Services, LLC?

Mercer Advisors Insurance Services, LLC (MAIS) is a wholly owned subsidiary of Mercer Advisors Inc. MAIS provides individual life, disability, long term care coverage, and property and casualty coverage through various insurance companies. For Mercer Global Advisors clients who wish to purchase insurance products, MAIS has entered into a non-exclusive referral agreement with Strategic Partner(s), where the Strategic Partner will provide necessary services relative to the marketing, placement, and servicing of the insurance products, including without limitation preparing and presenting illustrations, supporting the underwriting process, assisting with the completion and execution of applications, delivering policies, and servicing in-force business. MAIS and the Strategic Partner will be listed as either "agents" or “co-agents” on the policies. While Mercer Global Advisors does not receive a referral fee, Strategic Partner receives a percentage of the commission revenue. MAIS and Strategic Partner do have a revenue sharing agreement.

How is working with an integrated wealth planning firm different from working with a stand-alone insurance agent?

A stand-alone insurance agent typically evaluates coverage needs in isolation — without visibility into your investment portfolio, tax situation, or estate plan. An integrated team can identify how your insurance interacts with each of those areas, helping to ensure your coverage is not just adequate on its own but optimally positioned in your full financial strategy.

Is a hybrid life insurance policy with a long-term care rider better than a traditional long-term care policy?

There is no universal answer. A hybrid policy eliminates the "use it or lose it" issue common with traditional long-term care policies, and it offers more premium payment flexibility and the potential to build cash value. However, it may reduce the death benefit available to beneficiaries, and coverage limits may differ from stand-alone long-term care policies. The right choice depends on your age, health, financial goals, and overall wealth plan.

Long-Term Care Archives

Insurance Solutions Article

One Team, One Plan, One Vision: Integrated Insurance Planning

Discover how integrated insurance planning coordinated across your investments, taxes, and estate plan can help protect and preserve your wealth.

Estate Planning Article

Estate Planning Strategies for Your Financial Future

Learn how estate planning integrates with tax, investment management, and financial planning to help protect your wealth, minimize taxes, and transfer assets efficiently.

Family & Health Article

Retirement Trusts for Beneficiaries with Special Needs

An overview of how retirement assets can support special needs trust planning, preserve government benefits, and provide long-term financial support for families.

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Financial Planning Article

LifeCare Contracts: Time, Cost, and Long Term Care

Learn how LifeCare CCRC contracts work, why time horizon matters, and how refundable vs declining fees shape long-term cost.

Insurance Solutions Article

Is It Time To Review Your Insurance? Here’s When and Why You Should

An insurance review helps ensure you’re not underinsured, overpaying, or missing out on better coverage options.

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Family & Health Article

When You or a Loved One Are Facing Terminal Illness: Finances To Address

When preparing to lose a spouse, important financial decisions could be overlooked. Get guidance on protecting your family.

Estate Planning Article

ABLE Accounts vs. Special Needs Trusts: Which Do You Need?

ABLE accounts and special needs trusts (SNTs) are financial solutions for individuals with disabilities. Learn the pros and cons of each.

Insurance Solutions Article

Should You Consider Long-Term Care Insurance Through a Life Policy?

Determine if a hybrid life insurance policy with LTC rider may be right for you over a traditional long-term care insurance policy.

Estate Planning Article

3 Phases of a Lifelong Financial Plan for People With Disabilities

Lifelong planning for folks with disabilities is often a balancing act between providing support and not undermining existing benefits.

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Insurance Solutions Article

Insuring Life’s Journey: Tailored Insurance Solutions for Every Age and Stage

There are basic guidelines for insurance needs at each life stage or age. Find out what types of insurance are worth buying and when.

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Retirement Article

Planning for Health Care Costs in Retirement

Planning for health care costs in retirement has many unknowns and options. Learn the value of insurance and savings choices.

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Family & Health Article

The Sandwich Generation: Tips for Managing Finances and Reducing Stress

If you are in the sandwich generation and want help alleviating your stress and staying financially secure, we are here for you.

Insurance Solutions Article

5 Ways to Align Your Insurance and Wealth Planning

Explore how an integrated approach to insurance and wealth management can help you better protect your estate and reach your financial goals.

About Mercer Advisors

We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.

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Long-Term Care

One Team, One Plan, One Vision: Integrated Insurance Planning

Estate Planning Strategies for Your Financial Future

Retirement Trusts for Beneficiaries with Special Needs

LifeCare Contracts: Time, Cost, and Long Term Care

Is It Time To Review Your Insurance? Here’s When and Why You Should

When You or a Loved One Are Facing Terminal Illness: Finances To Address

ABLE Accounts vs. Special Needs Trusts: Which Do You Need?

Should You Consider Long-Term Care Insurance Through a Life Policy?

3 Phases of a Lifelong Financial Plan for People With Disabilities

Insuring Life’s Journey: Tailored Insurance Solutions for Every Age and Stage

Planning for Health Care Costs in Retirement

The Sandwich Generation: Tips for Managing Finances and Reducing Stress

5 Ways to Align Your Insurance and Wealth Planning

About Mercer Advisors

Explore Our Solutions

Want to learn more about Mercer Advisors?

Long-Term Care

One Team, One Plan, One Vision: Integrated Insurance Planning

Estate Planning Strategies for Your Financial Future

Retirement Trusts for Beneficiaries with Special Needs

LifeCare Contracts: Time, Cost, and Long Term Care

Is It Time To Review Your Insurance? Here’s When and Why You Should

When You or a Loved One Are Facing Terminal Illness: Finances To Address

ABLE Accounts vs. Special Needs Trusts: Which Do You Need?

Should You Consider Long-Term Care Insurance Through a Life Policy?

3 Phases of a Lifelong Financial Plan for People With Disabilities

Insuring Life’s Journey: Tailored Insurance Solutions for Every Age and Stage

Planning for Health Care Costs in Retirement

The Sandwich Generation: Tips for Managing Finances and Reducing Stress

5 Ways to Align Your Insurance and Wealth Planning

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About Mercer Advisors

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