MIKHAEL PAUL

Insurance & Risk Management

Insurance planning helps you prepare for life’s uncertainties by ensuring your loved ones and assets are protected no matter what the future holds.

Our Philosophy on Insurance & Risk Management

At Mikhael Paul Wealth Management, we view insurance as a key part of long-term wealth protection. Our focus is proactive—anticipating risks before they arise. Every plan we design helps safeguard your income, assets, and legacy through every stage of life.

Term Life Insurance

Term life provides coverage for a specified and limited period, known as the term. Premiums for most term policies tend to go up as you age or at the end of each renewal period. After the term ends, so does the policy and its coverage if it's not renewed.

Whole LIfe Insurance

Whole life or ordinary life insurance is a type of permanent life insurance. It provides coverage for the life of the insured and can build cash value, which is a savings feature. Premium payments typically remain the same for the life of the insured.

Universal Life Insurance

Whole life or ordinary life insurance is a type of permanent life insurance. It provides coverage for the life of the insured and can build cash value, which is a savings feature. Premium payments typically remain the same for the life of the insured.

Disability Insurance

Disability insurance is a form of insurance coverage that offers financial support to individuals who are unable to work due to a disability.

Managing risk is a core part of our financial planning philosophy. Our goal is to help you live with confidence today while protecting your future. We work with you to identify the right insurance solutions and coverage levels to fit your unique needs.

Why Insurance Planning & Risk Management Matter

Insurance planning and risk management are essential to protecting everything you’ve worked for. They provide a financial safety net against unexpected events, ensuring your family, income, and assets remain secure. By planning ahead, you gain stability, confidence, and peace of mind—no matter what life brings.

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Ask these questions?

We make insurance planning simple by showing you how protection fits into your overall financial picture. Just like building a home requires a blueprint, your insurance plan serves as the framework that safeguards your family and turns your long-term goals into lasting security.

How does insurance fit into my overall financial plan?

Insurance isn’t separate from your investments—it’s the foundation that protects them. The right coverage ensures your wealth strategy stays intact, even when life takes an unexpected turn.

What types of insurance best support my goals?

Every client’s needs are unique. We help determine whether life, disability, long-term care, or business protection coverage best aligns with your income, family, and legacy objectives.

How do I know my coverage remains up to date?

Life changes—and your insurance should too. We conduct regular policy reviews to confirm your protection evolves with your career, family, and financial growth.

1. There are specific minimum asset thresholds and eligibility criteria required to engage with a dedicated Financial Advisor.

2. Investing carries risks, including the possibility of losing the principal amount invested.

This advertisement is intended solely for informational purposes and does not serve as an offer or recommendation to purchase or sell any specific security or to implement any particular investment strategy. The information provided here has not taken into account the unique circumstances of any individual client and should not be interpreted as investment advice. Additionally, it should not be viewed as tax, accounting, legal, or regulatory guidance. Therefore, investors are encouraged to seek independent legal and financial counsel, including advice regarding tax implications, prior to making any investment decisions.

CRD# 335481 03/2025

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MIKHAEL PAUL

Insurance & Risk Management

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Insurance planning helps you prepare for life’s uncertainties by ensuring your loved ones and assets are protected no matter what the future holds.

Our Philosophy on Insurance & Risk Management

At Mikhael Paul Wealth Management, we view insurance as a key part of long-term wealth protection. Our focus is proactive—anticipating risks before they arise. Every plan we design helps safeguard your income, assets, and legacy through every stage of life.

Term Life Insurance

Term life provides coverage for a specified and limited period, known as the term. Premiums for most term policies tend to go up as you age or at the end of each renewal period. After the term ends, so does the policy and its coverage if it's not renewed.

Whole LIfe Insurance

Whole life or ordinary life insurance is a type of permanent life insurance. It provides coverage for the life of the insured and can build cash value, which is a savings feature. Premium payments typically remain the same for the life of the insured.

Universal Life Insurance

Whole life or ordinary life insurance is a type of permanent life insurance. It provides coverage for the life of the insured and can build cash value, which is a savings feature. Premium payments typically remain the same for the life of the insured.

Disability Insurance

Disability insurance is a form of insurance coverage that offers financial support to individuals who are unable to work due to a disability.

Managing risk is a core part of our financial planning philosophy. Our goal is to help you live with confidence today while protecting your future. We work with you to identify the right insurance solutions and coverage levels to fit your unique needs.

Why Insurance Planning & Risk Management Matter

Ask these questions?

We make insurance planning simple by showing you how protection fits into your overall financial picture. Just like building a home requires a blueprint, your insurance plan serves as the framework that safeguards your family and turns your long-term goals into lasting security.

How does insurance fit into my overall financial plan?

Insurance isn’t separate from your investments—it’s the foundation that protects them. The right coverage ensures your wealth strategy stays intact, even when life takes an unexpected turn.

What types of insurance best support my goals?

Every client’s needs are unique. We help determine whether life, disability, long-term care, or business protection coverage best aligns with your income, family, and legacy objectives.

How do I know my coverage remains up to date?

Life changes—and your insurance should too. We conduct regular policy reviews to confirm your protection evolves with your career, family, and financial growth.