Business Details
Trusted Insurance Planning for Families and Businesses
Elman Insurance Services specializes in helping successful executives, professionals, and business owners protect their families and businesses through tailored insurance solutions. With a focus on client-centered planning, we prioritize solving problems rather than pitching products, ensuring expertise in areas like life insurance, special needs planning, and disability coverage. Brad Elman, a Chartered Special Needs Consultant and holder of advanced designations (CLU, ChSNC, CLTC), leads our team with over two decades of experience in financial services.Recognized for our referral-based model and commitment to community, we collaborate with legal and financial professionals to deliver comprehensive strategies. Our approach emphasizes transparency, avoiding generic solutions in favor of customized plans that address immediate and long-term needs. As active volunteers, we champion causes supporting individuals with special needs, reflecting our dedication to both professional excellence and social responsibility.
Services
Life Insurance
Special Needs Planning
Disability Insurance
Employee Benefits
Estate Protection
Highlights and features
- Client-centered approach focused on problem-solving, not product sales
- Brad Elman holds advanced insurance designations (CLU, ChSNC, CLTC)
- Specialized expertise in special needs planning and estate protection
- Referral-based practice trusted by legal and financial professionals
- Active community involvement supporting special needs advocacy
Services
Life Insurance
We provide comprehensive life insurance solutions to protect families and businesses. Our expertise includes term and permanent policies tailored to address both immediate financial needs and long-term estate planning goals. By analyzing individual circumstances, we help clients determine appropriate coverage amounts, ownership structures, and integration with broader financial strategies.
Special Needs Planning
Our specialized planning addresses the unique requirements of families with loved ones requiring lifelong care. We combine life insurance with special needs trusts to ensure future financial security while maintaining eligibility for government benefits. This approach balances immediate family protection with sustainable long-term care funding through coordinated insurance and estate planning strategies.
Disability Insurance
We offer customized disability insurance solutions to safeguard income against unexpected health challenges. Our planning integrates individual and group policies to create comprehensive protection strategies that maintain financial stability during recovery periods. This includes analyzing existing employer-provided coverage and supplementing gaps with personalized solutions.
Employee Benefits
Through our partnership with OneDigital Health and Wellness, we provide strategic employee benefits solutions. Our services include benefits benchmarking, compliance support, and technology integration to help businesses optimize workforce wellness programs while managing costs effectively through data-driven analytics and market insights.
Estate Protection
Our estate protection services utilize insurance to address tax liabilities and business continuity needs. We implement strategies for business buy-sell agreements, key person insurance, and executive compensation planning. These solutions ensure business stability while protecting family assets through coordinated insurance ownership structures and trust arrangements.
People
Brad Elman
Insurance Advisor
Brad Elman, CLU, ChSNC, CLTC, is a second-generation insurance advisor specializing in life insurance and special needs planning. With over 20 years of experience, he has earned national recognition as a Chartered Special Needs Consultant and previously received the Jack Richter Award for career achievement.
Questions
What types of insurance do you specialize in?
We specialize in life insurance, disability coverage, special needs planning, and employee benefits solutions tailored to high-net-worth individuals and businesses.
How do you approach special needs insurance planning?
We combine life insurance with special needs trusts while addressing both immediate family needs and long-term care funding through coordinated estate planning strategies.
Are you affiliated with any insurance carriers?
We maintain partnerships with multiple carriers to ensure objective recommendations and access to competitive policy options that best meet client needs.
How does your referral-based model work?
We rely on referrals from attorneys, CPAs, and satisfied clients, ensuring our services meet professional standards and client expectations through trusted recommendations.
Can you help with business insurance needs?
Yes, we provide key person insurance, business buy-sell agreements, and executive benefits planning to protect companies against financial risks from personnel changes.
