Life’s unpredictability demands readiness, not fear. At Theodor Hennessey & Ross, we create integrated, adaptable insurance plans that protect your family, business, and future. Acting as your personal CFO, we align insurance strategies with your entire financial landscape, including tax planning, estate preservation, and intergenerational wealth strategies.
Life insurance: Stability for tomorrow
Life insurance is more than a safety net—it can be used to protect families from the financial shock of a loved one’s passing, ensure businesses survive ownership transitions, and shield heirs from tax burdens. Whether you’re covering funeral costs, paying off mortgages, or funding trusts, life insurance transforms tragedy into stability.
For business owners, life insurance becomes indispensable. It funds buy-sell agreements, secures debts, and guarantees continuity, ensuring your legacy doesn’t falter. We craft policies that transform liabilities into opportunities, empowering your future to flourish.
Critical illness insurance: Recovery without sacrifice
A diagnosis can rewrite your life overnight—cancer, heart attack, stroke. The emotional toll is enough; your finances shouldn’t add to the burden. Critical illness insurance provides a lump sum to cover treatments, mortgages, or even time to heal. It’s not about anticipating the worst—it’s about ensuring you can face it with confidence, knowing your goals won’t be derailed.
Disability insurance: Income security for high earners
Your income powers your financial engine. When illness or injury interrupts your ability to work, disability insurance steps in to replace lost wages, preserving your financial stability. For high-income professionals and business owners, it’s a lifeline that ensures your family’s future and your business’s continuity remain unaffected by unforeseen events.
Estate preservation: Protecting your legacy
Your estate is your life’s work, your dreams, and your values. Taxes, debts, and final expenses can erode even the most carefully built legacies. Insurance planning fills these gaps, preserving wealth for the next generation. Trusts, life insurance, and annuities are tools we use to secure your family’s future, ensuring they inherit stability—not stress.