Insurance Planning

Insurance Planning

From Business Growth to Personal Legacy – We’ve Got You Covered

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Because True Wealth Protection Goes Beyond Investments

You’ve worked hard to build your wealth—now it’s time to fortify it against life’s unpredictabilities. From market downturns to unexpected health crises, lawsuits, and even long-term care needs, a comprehensive insurance strategy looks to help your financial empire remains intact, no matter what comes your way.


Through Assurance Insurance Services, we don’t believe in off-the-shelf insurance solutions. Instead, we craft tailored insurance strategies that go beyond just covering risks—we use insurance as a wealth preservation and growth tool.


Whether you need property & casualty protection, advanced life insurance strategies, long-term care planning, disability coverage, or even tax-efficient insurance financing, we provide high-level solutions built specifically for high-net-worth individuals (HNWIs), ultra-high-net-worth individuals (UHNWIs), and business owners who demand more than standard policies.

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Strategic Protection for Every Aspect of Your Life

Property & Casualty Insurance

Protecting Your Most Valuable Assets


Your home, luxury vehicles, fine art, and other high-value assets need more than a basic insurance policy—they need customized, high-limit protection. We structure property & casualty coverage to:


  • Safeguard personal and business properties against unforeseen damages and liabilities.


  • Provide specialized coverage for luxury assets, including yachts, aircraft, collectibles, and jewelry.



  • Mitigate liability risks associated with high-net-worth lifestyles, including personal lawsuits and cyber threats.


With our strategic approach, your assets are fully protected, not just partially covered.

Advanced Life Insurance Strategies

More Than Just a Death Benefit


Life insurance isn’t just about providing for your family—it’s a powerful financial instrument that can be used for:


  • Tax-free wealth transfer to heirs and beneficiaries.


  • Estate tax mitigation, reducing the impact of federal and state estate taxes.


  • Cash value accumulation with tax-advantaged growth.


  • Liquidity solutions for business succession or high-net-worth estate planning.


We specialize in premium-financed and advanced life insurance strategies, helping you leverage policies as an investment, tax-efficient tool, and estate planning powerhouse.

Disability Insurance

Protecting Your Income & Lifestyle


For high-income earners and business owners, your ability to generate income is your most valuable asset. A custom-tailored disability insurance policy ensures that if you’re unable to work due to illness or injury:


  • Your income is replaced, preventing financial disruption.


  • Your business and personal expenses remain covered.


  • You maintain your financial goals, even during unexpected life events.


Unlike generic policies, our disability strategies are designed for high-net-worth individuals with income protection that matches your standard of living.

Long-Term Care Insurance

Secure Your Future, Protect Your Legacy


Long-term care expenses can quickly erode wealth, making planning ahead essential. Our long-term care strategies ensure that you:


  • Avoid draining your assets due to rising healthcare costs.


  • Have a tax-efficient plan for covering nursing home, assisted living, or in-home care expenses.


  • Maintain financial independence without burdening family members.


We integrate hybrid long-term care solutions, asset-based coverage, and strategic funding options to create a customized plan that fits your needs.

Advanced Financing Insurance

Leveraging Insurance as a Financial Tool


Most people think of insurance as an expense, but with the right strategy, it becomes a high-value financial instrument. Our Advanced Financing Insurance solutions allow you to:


  • Use premium-financed policies to free up capital for investment opportunities.


  • Optimize tax-advantaged wealth growth through structured insurance products.


  • Enhance estate planning and business liquidity with leverage-based insurance solutions.


We help you strategically finance high-value insurance policies, ensuring maximum financial efficiency while keeping your capital working for you.

Why Work with Us?

Strategic, Not Generic – Every insurance plan we design is built specifically for high-net-worth individuals and business owners, ensuring you have full coverage and financial optimization.


Integration with Your Wealth Plan – Insurance isn’t a standalone product—it’s part of a larger wealth preservation and growth strategy. We ensure your policies work in harmony with your estate, tax, and investment planning.


Exclusive Access to High-Value Policies – Through our Family Office network, we provide access to premier insurance solutions that go beyond what most financial advisors can offer.



Elite-Level Specialists – Our team of insurance strategists, estate attorneys, and financial experts work together to design, implement, and manage your customized plan.

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Let’s Build Your Wealth Protection Plan Together

Your wealth is too valuable to leave unprotected. Whether it’s shielding your assets, optimizing tax efficiency, securing your health, or leveraging insurance for financial gain, we ensure you have the most advanced, strategic solutions available.


Schedule a private consultation today, and let’s craft a plan that protects, preserves, and enhances your wealth—no matter what the future holds.


Insurance Planning for Those Who Think Bigger

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Frequently Asked Questions

Here are answers to some of our most common questions. Can't find what you're looking for? Feel free to contact us.

  • Why is AWM so popular?

    At Assurance Wealth Management, we understand that effective wealth management is crucial for securing a prosperous future. As your trusted partner in Texas, we focus on providing personalized wealth management strategies that align with your unique financial goals. Our team of experts works diligently to ensure your wealth is protected and grows steadily through comprehensive planning and smart investment choices. With a deep commitment to your financial success, we offer innovative wealth management solutions that include retirement planning, asset protection, and estate planning. Whether you're planning for retirement or looking to optimize your investments, Assurance Wealth Management in Texas is here to guide you every step of the way. Reach out to us today and let us help you take control of your financial future!

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  • What is a Fiduciary?

    A fiduciary is a professional entrusted to manage assets or wealth while always putting the client’s best interest first. Financial advisors who follow a fiduciary standard must disclose any conflict, or potential conflict, to their clients before and during the advisory engagement. Fiduciaries will also adopt a code of ethics and fully disclose how they are compensated. By law, they must act solely in the best interest of their clients.

    Speak with one of our Fiduciary Financial Advisors
  • What is a Family Office, and How Can It Benefit Me?

    A family office is a comprehensive wealth management solution designed for high-net-worth individuals and business owners who need more than just investment management. Our modern family office experience provides access to specialists in tax planning, estate planning, business advisory, and outsourced CFO services, without the need to hire a full in-house team.

    Learn More
  • How can AWM help with retirement planning?

    At Assurance Wealth Management, we understand that retirement planning is a critical component of financial stability. Our experienced advisors work closely with clients to develop comprehensive retirement strategies that reflect their unique goals and timelines. From figuring out the best savings plans to navigating the complexities of tax implications, we're here to help ensure a comfortable and secure retirement. Let us guide you on your retirement planning journey; schedule a consultation with us today to start planning for your future.

    Let's Connect
  • How Does AWM Differ from Other Wealth Management Firms?

    Unlike traditional wealth management firms, we go beyond just building an investment portfolio. Our holistic approach includes portfolio management, tax optimization, estate planning, business advisory, and risk mitigation—all tailored to high-net-worth individuals and business owners.

    Let's Connect
  • How Often Do You Meet With Clients?

    We have an open-door and open-phone policy, meaning we’re always available when you need us. Whether it’s a quick question or an in-depth strategy session, we’re here to provide constant communication and updates throughout every step of the process. Your financial goals are our priority, and we stay connected as often as needed to ensure you’re always informed and confident in your plan.

    Schedule your first meeting
  • Can You Work With My Existing CPA or Attorney?

    Absolutely! We frequently collaborate with CPAs, estate attorneys, and other professionals to ensure your financial plan is fully integrated. However, if you don’t have a trusted professional in certain areas, our Virtual Family Office provides access to top specialists in:

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  • Do You Only Work With Clients in The Woodlands and Houston, Texas?

    While we are based in The Woodlands, Texas, we work with clients throughout the country. Our virtual family office model allows us to serve high-net-worth individuals and business owners nationwide with our modern, specialist-driven approach.

    Book a virtual consultation
  • How Do I Know If I Need a Financial Advisor?

    If you have financial goals but aren’t sure how to reach them, a financial advisor can help. Whether you’re growing your wealth, planning for retirement, managing a business, or navigating complex investments, expert guidance ensures you’re making the right moves. If you’re feeling overwhelmed, uncertain, or simply want a strategic plan to maximize your financial potential, it’s time to consider a financial advisor.

    See if we’re the right fit for you
  • You offer a lot of services, how expensive are you?

    Our fees are structured to provide exceptional value while ensuring you receive a comprehensive wealth management experience that goes beyond just investment management. Unlike traditional financial advisors who charge a flat percentage for portfolio management alone, we provide a full suite of services, including tax planning, estate planning, business advisory, and portfolio management—all tailored to your unique financial situation.

    Schedule your free consultation to learn more
  • What Types of Clients Do You Work With?

    We work with a wide range of clients, including business owners, professionals, retirees, and high-net-worth families who want to grow, protect, and manage their wealth. Whether you’re planning for retirement, navigating a business transition, or seeking comprehensive wealth management, we provide personalized strategies tailored to your unique financial goals.

    See if we’re the right advisor for you
  • How Can I Get Started With Assurance Wealth Management?

    Getting started is simple! Schedule a consultation, and we’ll discuss your financial goals, challenges, and the best strategies for your situation. Whether you’re looking for investment guidance, retirement planning, or comprehensive wealth management, we’ll create a personalized plan to help you move forward with confidence. Contact us today to take the first step!

    Schedule your consultation today

How Can We Help You?

With over 65 years of experience, Assurance Wealth Management offers tailored solutions for retirement planning, tax optimization, and investment management. Contact us today to secure your financial future.

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Insurance Planning

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