Life doesn’t always give you a warning. One day your world feels unshakable. The next—illness, injury, or a business disruption shakes the ground beneath you. That’s why insurance planning isn’t about fear. It’s about readiness.
At Oldfield Group Wealth Management, we help high-net-worth individuals and business owners prepare for life’s inevitable curveballs—without losing sleep. The right insurance plan doesn’t just protect—it empowers. It provides a financial buffer when you need it most, so your life, your family, and your business stay standing.
Insurance: The backbone of financial resilience
Remove the jargon and numbers, and insurance is simple. It’s a financial promise. A commitment that everything you’ve built—your lifestyle, your family’s security, your business—won’t collapse when the unexpected happens.
Our insurance planning process integrates deeply with your overall wealth strategy. We help clients align personal protection with corporate strategy, estate goals, and cash flow needs to ensure every plan delivers more than just peace of mind—it delivers real, lasting protection.
Life insurance: quiet strength with lasting impact
Life insurance does more than cover funeral costs or pay off debts. For high-net-worth individuals and business owners, it protects legacies, supports succession plans, and shields assets from creditors and tax burdens.
We provide life insurance for high-net-worth individuals who need more than basic coverage. Whether it’s permanent life insurance to fund an estate strategy or term coverage for short-term risks, we design plans that match your goals and risk profile.
For entrepreneurs, life insurance plays a critical role in:
- Buy-sell agreements
- Key person protection
- Tax-efficient wealth transfer
- Debt and loan coverage
- Preserving cash flow for business continuity
Life insurance isn’t optional—it’s foundational.
Critical illness insurance: a lifeline when you need it most
A cancer diagnosis. A heart attack. A stroke. When illness strikes, the last thing you want is financial pressure piling up. Critical illness insurance steps in with a lump-sum benefit—helping you pay for treatment, cover day-to-day expenses, or take time to recover without worry.
We build critical illness plans that reflect your lifestyle, family needs, and the reality of modern health care costs. It’s about control when life feels out of your hands.
Disability insurance: protecting your income, your independence
Your income fuels your financial life. But if illness or injury takes you out of the workforce—especially during your prime earning years—the impact can be devastating. Disability insurance replaces lost wages and protects your financial trajectory, allowing you to focus on recovery, not survival.
We work with incorporated professionals, entrepreneurs, and high-income earners to secure coverage that supports long-term financial stability. If you rely on your income, you can’t afford to ignore this protection.
Estate preservation: keeping your legacy whole
You’ve worked hard to build something worth passing on. But taxes, debts, and final expenses can erode your estate before your family sees a dollar. Insurance fills the gaps that wills and trusts can’t. It provides liquidity, minimizes tax burden, and ensures your heirs receive the full benefit of your life’s work.
Our estate-focused insurance plans help high-net-worth families:
- Offset capital gains taxes
- Equalize inheritances
- Preserve private business ownership
- Reduce probate delays and fees
Insurance isn’t just protection—it’s a legacy tool.
Annuities: financial certainty in retirement
Annuities transform retirement savings into guaranteed income for life—providing stability when markets fluctuate or expenses rise. For clients who want reliability in retirement, annuities offer the comfort of knowing exactly what’s coming in each month.
We help you evaluate annuity options as part of a broader decumulation strategy—balancing flexibility, longevity risk, and lifestyle needs.
Employee benefits and business continuity
If you own a business, your responsibilities extend beyond yourself. Providing the right employee benefits—including group life, disability, and health coverage—is essential for retaining talent and supporting your team.
We design comprehensive insurance plans that support your business’s health and help you meet your responsibilities as an employer. From group insurance packages to executive bonus plans, we make sure your protection extends to everyone who helps your business thrive.
Plans that fit your life
At Oldfield Group Wealth Management, your insurance needs are unique—shaped by your goals, your business, your family, and your stage of life. That’s why every plan starts with a conversation.
We’ll review your existing coverage, identify gaps, and build a strategy that protects your world from every angle. And as your life evolves, we’ll adapt your plan to stay one step ahead.