Belman Klein Associates
For more than 50 years, Belman Klein Associates, guided by the precepts of integrity and accountability, has worked with financial advisors and insurance professionals to design unbiased life, disability, and long term care insurance solutions for individuals, families, and businesses.
Who We Work With
P&C Firms
Belman Klein has a deep understanding of the property and casualty business gleaned through years of active participation in industry associations. We understand the value of client retention. Our goal is to complement your risk mitigation efforts by providing comprehensive, design and product neutral planning solutions for individual, family, and business life, disability, and long term care planning needs.
Wealth Advisors
Belman Klein broadens the scope of your client relationships by facilitating a holistic planning process. Providing unbiased design and insurance product solutions, we assist in protecting assets, lifestyle, and financial security. A collaborative approach allows you to focus on your core objectives while our efforts assure client peace of mind.
Life Insurance Advisors
Belman Klein values the life insurance advisor’s unique expertise and skillset. Our goal is to augment your knowledge and efforts with cutting edge products, creative design solutions, and extensive underwriting expertise. We focus on collaboratively crafting solutions to the most complex planning and health underwriting challenges.
Our products
Belman Klein is in the
protection business
We place guard rails around your clients and their assets with coverage tailored to their specific needs.
Life Insurance
Life Insurance creates liquidity at exactly the right time to for both personal and business clients. Whether for family protection, income replacement, business buyouts, estate creation, or estate conservation, properly designed life insurance programs deliver cash at precisely the moment it is most needed.
Long Term Care
Long Term Care is arguably the most difficult conversation for most families to have. Ultimately, 70% of Americans over age 65 will need to access some form of long term care services. Planning and product choices are myriad but implementation requires the combined skills of sensitivity and product knowledge. We are proud of the solutions expertise we bring to assist you in this difficult but critical area of personal planning.
Disability
Disability insurance provides monthly income replacement when someone is unable to work due to a disabling injury or illness. More than 375,000 Americans become totally disabled every year. Yet, an alarming number of individuals do not have appropriate, if any, coverage. Our specialists can assist in navigating the complexities of disability planning – an often overlooked area of personal planning.
Annuities
As the population ages, concerns over outliving income and having a comfortable retirement multiply. While most advisors are very comfortable growing assets, distributing them in tax-efficient and safe ways can be daunting. Annuities can be one part of an effective distribution strategy especially for risk adverse clients. Annuities are a growing part of our business, and we look forward to assisting you when an annuity is an appropriate option to explore.
A Consultative Approach
Acting as an unbiased consultant, Belman Klein oversees the evaluation and procurement of insurance products appropriate to each client situation. You can confidently incorporate critical protection products into your clients’ financial plans while we manage the entire process on your behalf.
Our long years of experience and close relationships with well-respected insurance companies allow us to facilitate transactions with accuracy and speed.
Leverage our team’s knowledge, underwriting expertise and point-of-sale assistance to fill the protection planning needs of your clients.
Our areas of expertise:
Family Protection
Legacy Creation and Preservation
Business Continuation and Succession Planning
Personal Wealth Transfer
Asset Protection/Risk Management
Non-Qualified Executive Benefits
What People Are
Saying
P&C Advisor
I like who I deal with, you are very professional and help in an area where we are not experts. Without Belman Klein, I could not do this business.
Financial Advisor
You convert info into understandable solutions, easily explain concepts.
Benefits Advisor
Knowledgeable answers, friendly people, quicker turnaround time means everyone wins.
Financial Advisor
Peace of mind, comfort level and knowing that everything is taken care of.
Financial Advisor
Timely, professional, back office support and front office client facing when needed; it is great to have the steady products and expertise.
Insurance Insights
Understanding Long-term Care as a Legacy
The pandemic has put a great many things in perspective for a great many people. Long-term care (LTC) and its myriad benefits are chief among them. While there is truly no way of determining if you will eventually need LTC coverage, protecting one’s self – and one’s...
The Transition from CRO to… CRO?
In our current environment of uncertainty, change, and recovery, successful insurance advisors would do well to transition from a Chief Risk Officer (CRO) to a Chief Reassurance Officer (also CRO). Now is the ideal time to calm nerves by providing expert...
A Life Insurance Policy Review is the Best Time to Reconnect with Your Clients
Your next life insurance policy review does not have to end in a sale. You heard that correctly. In fact, think of it not so much as a transactional situation, but a chance to offer advice and guidance while building a stronger relationship with your client. A life...
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