Protection for life’s next chapter. Standing Oak Insurance helps you navigate retirement with confidence through smart, reliable coverage that fits your goals and lifestyle.
Life Protection
Life protection solutions safeguard your family and financial future with tailored life insurance and annuity options. In addition to traditional life coverage, we offer Fixed and Indexed Annuities to help preserve income, grow assets, and create lasting security through every stage of life.
Impairment Protection
Our impairment protection strategies ensure financial security if illness or injury prevents you from working. We customize short-term, long-term, and supplemental disability insurance to replace lost income, protect savings, and maintain financial stability through recovery or extended health challeng
Business Owner
We protect your business continuity and leadership stability with smart insurance strategies. From key person and buy-sell coverage to business overhead and executive bonus plans, we help safeguard revenue, attract and retain top talent, and ensure smooth succession during unforeseen events.
Policy Review
Our comprehensive policy review process ensures your coverage stays aligned with evolving needs and market conditions. We analyze current policies for gaps, pricing, and compliance, then recommend strategic adjustments to strengthen protection, control costs, and keep your insurance portfolio resilient.
Estate Planning
We help you define your legacy and protect your wealth through thoughtful estate planning. From goal-setting to wealth transfer strategies, we coordinate assets, trusts, and tax considerations to preserve family harmony, minimize taxes, and keep your plan current as life and laws evolve.
Social Security Planning
Our Social Security planning service helps you understand, time, and coordinate your benefits to maximize lifetime income. We review filing strategies, spousal and survivor benefits, earnings tests, and tax implications to align your plan with Medicare, longevity risks, and retirement goals.
Financing
Real estate investors and business operators who own their building can unlock retirement focused advantages by financing or refinancing through Standing Oak Insurance. Our partnerships with insurance carriers and private equity firms are uniquely positioned to provide integrated underwriting that aligns debt structure with cash-value policies, risk management, and tax-efficient accumulation. Customized amortization improves cash flow, while collateralized policies fund reserves and succession. Coordinated strategies reduce interest drag, enhance liquidity, and systematically convert equity into predictable retirement income over time.
Health Insurance
Health insurance is essential for maintaining both financial stability and access to healthcare. For individuals under 65 without employer-sponsored coverage, the Affordable Care Act (ACA) Marketplace offers regulated plans that cover essential health benefits and protect those with pre-existing conditions.
Medicare
Medicare provides essential health coverage for individuals 65 and older or those with certain disabilities. Whether you're new to Medicare or exploring options like Medicare Advantage, Supplements, or Part D drug plans, we help simplify the choices so you get the coverage that fits your healthcare needs and budget.
Travel Insurance
Travel health insurance protects you abroad when illness, injury, or delayed care strikes. It covers emergency treatment, evacuations, and unexpected hospital bills that domestic plans often exclude. In today’s world of evolving health risks, extreme weather, and shifting regulations and quarantines, it ensures access to quality care, 24/7 assistance, and financial protection—so disruptions don’t become crises or derail your trip.
Group Insurance
Group health and supplemental insurance help businesses attract and retain talent, control healthcare costs, and boost productivity. Pooled risk plans lower premiums and simplify administration, while supplemental benefits such as dental, vision, disability, accident, hospital indemnity, fill coverage gaps and reduce out-of-pocket surprises. Offering a strong benefits package improves morale, reduces absenteeism, supports financial wellness, and strengthens employer brand, making companies more competitive and resilient.
Small Business Consulting
Small businesses navigating global markets face complex rules and high stakes. Expert consulting on international taxation prevents double-tax, optimizes structures, manages transfer pricing, and ensures compliance with treaties and reporting regimes. Professional business valuation grounds deals, equity grants, and succession plans in defensible numbers, aiding financing and government grants. Together, they reduce risk, unlock savings, and support confident, sustainable, data-driven growth.
Government Benefits Advisory
Our Government Benefits Advisory guides guides clients through confusing bureaucratic claiming steps, translating agency rules into plain language and mapping the exact forms, deadlines, and documentation required. Our advisors identify eligible programs, prevent mistakes that trigger delays, and advocate when claims stall or are denied. They coordinate across offices, track application status, and escalate issues through proper channels. The result is faster, stress-reduced access to benefits and a clearer understanding of rights and responsibilities.
