Insurance & Protection
Insurance Planning for Your Goals
Protect What Matters Most
Life is unpredictable, but your financial security shouldn’t be. At Montage Wealth Advisors, we provide objective insurance and protection strategies to help you prepare for life’s uncertainties. Serving families, pre-retirees, and business owners across Orange County and beyond, our fiduciary advisors help ensure that every recommendation is tailored to your needs—not based on commissions or product quotas. Whether it’s protecting your family, your income, or your legacy, we’ll help you choose the right coverage so you can move forward with confidence.
Coverage Designed Around You
Comprehensive Insurance & Protection Solutions
Insurance is more than a policy—it’s a critical part of a complete financial plan. We help you evaluate risks and identify the protection strategies that safeguard your lifestyle and financial goals.
Life Insurance Planning
Ensuring your family is financially supported in the event of your passing, with the right type and amount of coverage.
Disability Income Protection
Strategies to protect your income and maintain financial stability if illness or injury prevents you from working.
Long-Term Care Coverage
Options to cover the rising costs of long-term care without draining your savings or burdening your family.
Business Continuity Insurance
Protection strategies for business owners, including key person insurance and buy-sell agreements to ensure stability.
Comprehensive Risk Reviews
Regular evaluations of your current policies to identify gaps, overlaps, and cost-saving opportunities.
Protection With Clarity
Frequently Asked Questions About Insurance & Protection
Do you sell insurance products directly?
We provide insurance planning as fiduciaries, which means our recommendations are based on your needs, not product sales. We analyze policies objectively and only recommend what truly benefits you.
How much life insurance do I need?
The right amount varies by family situation, income, debt, and goals. We work with you to calculate the coverage needed to protect your loved ones and future plans.
Is long-term care insurance worth it?
For many pre-retirees and retirees, long-term care costs are one of the biggest financial risks. We evaluate your health, family history, and financial resources to determine if long-term care coverage is appropriate.
Can you review my existing policies?
Yes. We conduct policy reviews to ensure your coverage is still cost-effective, relevant, and aligned with your current needs.
Do you work with business owners on insurance planning?
Absolutely. From protecting key employees to planning for succession, we help business owners across Orange County and beyond integrate insurance into their broader financial strategies.
The cost and availability of insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.