Smooth Sailing with Harbor Insurance Strategies...

Harbor Insurance Strategies is a comprehensive, full-service firm that specializes in up-to-date holistic insurance solutions in an ever changing world. We fully understand the legal, tax, and economic elements of personal and business insurance and the particular features of each type of policy. We offer an entire range of insurance services and products to our individual and business clients, including but not limited to life, disability and long term care.
Our Mission Statement: Our clients will always come first. We will embrace your priorities, objectives and concerns. We will know and fully understand your personal and financial situation before we provide you with the highest quality information, services and products tailored toward your specific and unique situation.
Our ultimate objective is to exceed your highest expectations…
A well executed management planning process should always include a rigorous review of all account types on a regularly scheduled basis. All financial accounts and insurance policies should be routinely reviewed in order to determine three things:
Have your needs or situations changed?
Is your existing coverage still relevant and cost effective?
Is the specific product performance in line with original expectations?
Our Mission Statement: Our clients will always come first. We will embrace your priorities, objectives and concerns. We will know and fully understand your personal and financial situation before we provide you with the highest quality information, services and products tailored toward your specific and unique situation.
Our ultimate objective is to exceed your highest expectations…
A well executed management planning process should always include a rigorous review of all account types on a regularly scheduled basis. All financial accounts and insurance policies should be routinely reviewed in order to determine three things:
Have your needs or situations changed?
Is your existing coverage still relevant and cost effective?
Is the specific product performance in line with original expectations?

Insurance is the one area that is often ignored or overlooked:
Unfortunately, the need for, and techniques of, managing your insurance coverages are little understood by most financial professionals. You owe it to yourself to either confirm or redefine the appropriateness of coverage given ever changing needs, goals and objectives. Our Insurance Review is both a process and a tool which should be employed at regular intervals to ensure that your needs are being met and that there is real value received for insurance expenditures.
Our policy review process generates a comprehensive report that provides educational material and accurate commentary regarding product and policy design, pricing, carrier information, and ongoing policy management. Changes to life, disability and Long Term Care Insurance may result in more or better coverage – and – sometimes at a significantly reduced cost. You may be able to increase coverage, add new features and at the same time, reduce premiums.
Unfortunately, the need for, and techniques of, managing your insurance coverages are little understood by most financial professionals. You owe it to yourself to either confirm or redefine the appropriateness of coverage given ever changing needs, goals and objectives. Our Insurance Review is both a process and a tool which should be employed at regular intervals to ensure that your needs are being met and that there is real value received for insurance expenditures.
Our policy review process generates a comprehensive report that provides educational material and accurate commentary regarding product and policy design, pricing, carrier information, and ongoing policy management. Changes to life, disability and Long Term Care Insurance may result in more or better coverage – and – sometimes at a significantly reduced cost. You may be able to increase coverage, add new features and at the same time, reduce premiums.