Insurance is typically a topic few individuals give much thought to. In fact, it's rarely "top of mind" among anyone when discussing financial matters. Beyond that, insurance can be an extremely complicated, but a necessary and potentially potent weapon, in an investor's arsenal.

That's why Cedar Brook created its Insurance Services Division. Through this group, we help Cedar Brook clients capitalize on the opportunities that the insurance market provides and identify the optimum coverage for each individual or business. Three elements, in particular, make our Insurance Services Division so effective.

One is our partnership with Ash Brokerage, one of America's leading insurance brokerage companies. Ash gives us access to virtually every insurance company's products available in the marketplace, which helps us maintain the independent and unbiased approach to investment products that is so important to us. Ash also provides a great deal of expertise that helps us to decipher and understand these extremely complex products and take advantage of the inefficiencies in the insurance marketplace to the advantage of our clients.

Another is our own in-house underwriting group at Cedar Brook. By controlling the underwriting process from our offices with extremely talented and dedicated insurance specialists, we are able to better represent our clients' interests and get the best insurance deal possible - the maximum correct coverage for the premium dollars spent - for each individual.

The third element is our advisors' six-step Financial Planning Process, which is designed to properly address the clients' insurance needs. This process enables our advisors to determine how important the proper insurance coverage truly is to each client, identify the proper amount and type of insurance coverage needed, and then implement the coverage - all of which is paramount to creation of a comprehensive, customized financial plan.

The Insurance Services Division has expertise to deliver a full array of support in life, disability and long-term care Insurance - whether you need to purchase new policies, replace existing polices, or perform an audit of all of your coverage.