Insurance & Risk Management

Personal Disability Income & Overhead Insurance

Your earned income is your most valuable asset. Personal disability income insurance protects you by providing funds to replace income in the event that you are not able to work due to an illness or accident.

Disability overhead insurance provides replacement funds for your business operating costs.

Personal Life Insurance

Your life insurance is a financial building block for your family and business. Robert F. Fahey Jr. & Associates analyzes your needs and constructs a program to protect your interests. We then continue to review your program to make sure it stays current with your changing needs, market conditions, and product applications.

Group Insurance & Employee Benefit Programs

Through our strategic partner firms, we assist you with providing health insurance, group life, disability income, NYSDBL, dental insurance, and other employer-provided group benefit programs for your company and employees.

Long-Term Care Insurance

Assessing your risk for long-term care needs and determining a course of action to address this risk is an important step in protecting your overall wealth and retirement strategy. Customized programs can be designed to maximize the cost/benefit relationship.

Business Insurance Programs

Both life insurance and disability income insurance can provide funding for business buyout events. You may also consider business protection for loss of key employees. To recruit and retain employees, there may be tax advantage incentive programs to help enhance your business.