Coverage that protects the plan
Insurance is not an investment. It is the thing that keeps one bad event from undoing years of careful saving.
We are not here to sell you a policy you do not need. Where coverage genuinely belongs in a plan, our partner can give you an indicative quote in a few minutes — and we will help you read it, compare it, and decide whether it is worth buying.
- Term life — replacing income while others depend on it.
- Disability — protecting your paycheck if you cannot work.
- Long-term care — the cost most retirement plans underestimate.
- Medicare supplements — filling the gaps Original Medicare leaves.
Get a quote
Compare coverage now
Our insurance quoting tool opens in a new window. Your information goes to the insurance provider, not stored on this site.
Open the quoting toolOpens on a third-party site. If you buy a policy through us, the insurance company pays us a commission. We tell you that before you decide, and you are never obligated to buy.
Rather talk it through?
If you are not sure what you need, that is the normal starting point. Book a visit and we will work out the gaps together.
Schedule a VisitWhich insurance quote do you need?
An insurance quote only helps if it is for the right coverage. Needs change with each stage of life: while you are working, the priority is replacing income if something happens to you; closer to retirement, the questions shift to long-term care and Medicare coverage.
Term life insurance
Term life insurance pays a death benefit if you die during the term, typically 10, 20, or 30 years. It is usually the most affordable way to replace income while children are young or a mortgage is outstanding.
Disability insurance
Your ability to earn is often your largest asset before retirement. Disability insurance replaces part of your income if illness or injury keeps you from working.
Long-term care and Medicare supplement quotes
Medicare generally does not pay for ongoing custodial care, which is why long-term care coverage is worth pricing before you need it. Options include traditional long-term care insurance and hybrid policies that combine life insurance with long-term care benefits.
Medicare supplement (Medigap) plans help pay costs Original Medicare leaves, such as coinsurance and deductibles. You can compare plans on Medicare.gov.
How we are paid on insurance
For investment management we are fee-only. Insurance is different: if you buy a policy through us, the insurance company pays us a commission. We tell you that before you decide, and you are never obligated to buy insurance from us. Many people use the quote tool simply to compare, then talk it through with us first.
Insurance quote FAQ
Does getting an insurance quote commit me to anything?
No. A quote is an estimate. Final pricing depends on the insurer’s underwriting, and you decide whether to apply.
How much life insurance do I need?
Enough to cover what your household would need if your income stopped: debts, future expenses such as education, and income for your family for a set number of years, minus savings and other coverage you already have. Our comprehensive planning puts a real number on it.
French Capital Management, LLC does not underwrite insurance. Quotes are provided by third-party insurance carriers and are indicative only; final rates depend on underwriting. Guarantees are subject to the claims-paying ability of the issuing insurer. This is not a recommendation to purchase any specific insurance product. We may receive compensation in connection with the sale of certain insurance products; any such arrangement will be disclosed to you before you purchase.