Insurance Planning and Protection Strategies

At Centric, we know that protecting the people and things you care about is just as important as growing your wealth. Our insurance advisors take the time to understand your unique risks and create protection strategies that fit your life and your goals. The result? The right coverage, at the right cost, and the peace of mind that comes with being prepared.

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A Smarter Approach to Insurance

Insurance isn’t just a product—it’s a core part of a well-rounded financial plan. Instead of looking at policies in isolation, we integrate them into your overall financial strategy, so every part of your plan works in harmony.

We start with a clear assessment of your current situation and potential risks. From there, we design customized recommendations that protect you today while supporting your long-term financial vision.

Insurance Solutions We Offer

Life Insurance

The cornerstone of many financial plans, life insurance protects loved ones and can even provide living benefits. We help with:

  • Cash Value Life Insurance: Complex, income-building solutions that require expert management.
  • Term Life Insurance: Affordable coverage designed for set periods of time.
  • Flexible Plans: Guidance on conversions, funding adjustments, and layering strategies as your needs evolve.

Living Benefits Protection

Serious health events can impact both your finances and your lifestyle. We offer options that help safeguard against the unexpected:

  • Critical Illness Coverage: Protection for events like cancer, stroke, or heart attack.
  • Hospital, Accident & Dental Plans: Support for specific health needs not always covered by traditional insurance.
  • Supplemental Programs: Additional coverage to fill common gaps.

Long-Term Care Insurance

With nearly half of Americans over 85 needing paid care, planning ahead matters. We can help you evaluate:

  • Whether long-term care coverage is right for you.
  • When to secure coverage for the best value.
  • The right benefit amounts and policy features for your situation.

Disability Income Insurance

Your income may be your greatest asset. If illness or injury keeps you from working, our disability strategies can provide:

  • Customized income replacement based on your career and earnings.
  • Options for both white-collar and blue-collar professionals.
  • Protection that preserves your financial stability during recovery.

Annuities

For clients seeking predictable income with less market risk, we offer:

  • Indexed Annuities with guaranteed minimums and growth linked to market indexes.
  • MYGAs (Multi-Year Guaranteed Annuities) with fixed, predictable rates.
  • Income Annuities that deliver guaranteed payments for set periods—or for life.

Advanced Insurance Strategies

Premium Financing

Keep your high-performing assets invested while leveraging cost-efficient funding for coverage.

Retirement Income Planning

Use tax-advantaged guarantees to ensure a baseline income throughout retirement.

Legacy Planning

Structure your policies to transfer wealth efficiently or fulfill estate planning goals.

Ready to Protect What Matters Most?

Don’t wait until it’s too late. Schedule a consultation with a Centric insurance advisor and take the next step toward safeguarding your future.

The Centric Client Experience

Our clients say working with Centric means:
“Centric has some very nice options for investors wanting different investment choices than the traditional stocks and bonds.”
– Daryl Bailey
“Eric was attentive to our needs and took the time to understand our financial goals, which made us feel confident that we were in good hands. Throughout our collaboration, he provided clear and professional guidance on investments, savings planning, and debt management, helping us make informed decisions that align with our personal situation.”
– Laura Liberatore
“Through all of that, my portfolio has grown considerably and in my early 30's I feel confident about my retirement prospects. Eric is knowledgeable, thoughtful, and insightful, which he mixes in with the right amount of humor.”
– Andrea Ayala
“I would highly recommend Centric. Eric has been an excellent financial advisor. He is personable, easy to get a hold of, and has been instrumental in helping my partner and I reach our financial goals.”
– Blake Sanford
“Centric Wealth Advisory Firm offers exceptional financial guidance and support. Our advisor, Eric Lian, and his team members, Joe and Luz, consistently provided updates and adjustments to our financial plan, ensuring we stayed on track to achieve our goals.”
– Steve C

Live Your
Best Life

Our planning services will take you through a process that begins with your concerns and needs. We will listen first and recommend second. Once we have a plan in place, we will monitor & adjust so that as life happens, you stay on the right track.