Frequently Asked Questions (FAQ)
1. What types of insurance do you offer?
We provide a range of insurance solutions, including Whole Life Insurance and Term Insurance for individuals, as well as Property and Casualty Insurance and Workers’ Compensation for businesses. Our goal is to protect your personal and professional assets with coverage tailored to your needs.
2. What is Whole Life Insurance, and how does it differ from Term Insurance?
Whole Life Insurance offers lifelong coverage with a guaranteed death benefit and builds cash value you can access during your lifetime, making it ideal for long-term financial planning and strategies like Infinite Banking. Term Insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) at a lower cost, but it doesn’t accumulate cash value and expires if you outlive the term.
3. How does Property and Casualty Insurance protect my business?
Property and Casualty Insurance safeguards your business by covering physical assets—like buildings, equipment, and inventory—against risks such as fire, theft, or natural disasters. It also includes liability protection for claims related to property damage or bodily injury caused to others, helping you avoid financial setbacks.
4. Why do I need Workers’ Compensation Insurance?
Workers’ Compensation Insurance is essential if you have employees. It covers medical expenses, lost wages, and rehabilitation for workers injured on the job, while protecting your business from lawsuits related to workplace incidents. It’s also a legal requirement in most states.
5. What is Succession Planning, and who needs it?
Succession Planning is a strategic process to ensure your small or medium-sized business thrives through leadership transitions, retirement, or unexpected events. It’s ideal for business owners who want to preserve their company’s value and legacy, often using tools like Whole Life Insurance to fund the plan.
6. What is Infinite Banking, and how does it work?
Infinite Banking uses the cash value of a Whole Life Insurance policy as a personal banking system. You borrow against your policy’s cash value for any purpose—such as buying a car or funding a business—while it continues to grow. You repay the loan on your terms, keeping the interest you’d otherwise pay to a bank, all while maintaining lifelong coverage.
7. Is Infinite Banking right for me?
Infinite Banking suits those committed to long-term financial growth and discipline. It’s especially valuable for business owners, families saving for big goals, or individuals seeking tax-advantaged wealth-building without relying on traditional banks. We can assess your goals to see if it fits.
8. How do I get a quote for your services?
Simply contact us via phone at 720-470-3301, email at [email protected], or fill out the form on our website. We’ll gather some basic information and provide a personalized quote tailored to your insurance or financial planning needs.
9. Can I bundle multiple insurance policies with you?
Yes, we often recommend bundling policies—like Property and Casualty with Workers’ Compensation for businesses or Whole Life with Term for individuals—to streamline coverage and potentially reduce costs. Let’s discuss your options!
10. How do you protect my personal information?
We take your privacy seriously. Our Privacy Policy details how we collect, use, and safeguard your data with industry-standard security measures, ensuring your information stays confidential and secure.
11. What makes Gardner Financial different from other insurance providers?
At Gardner Financial, we combine comprehensive insurance solutions with innovative financial strategies like Infinite Banking and Succession Planning. Our personalized approach, expert guidance, and focus on empowering clients set us apart—helping you protect today and prosper tomorrow.
12. How do I file a claim?
If you need to file a claim, reach out to us on our contact page. We’ll guide you through the process, coordinate with the insurance carrier, and ensure your claim is handled efficiently and fairly.
Have More Questions?
We’re here to help! Contact us for answers tailored to your situation. At Gardner Financial, your peace of mind is our priority.