Our Process

Our process starts long before we meet. We commit time and resources to stay current on the latest trends impacting the insurance industry and make a consistent effort to build strong insurance company partner relationships so our clients can leverage these relationships when needed. Our approach depends on understanding where you are on your journey, and where you are headed to identify and quantify potential obstacles along your path. Clients are often referred for a specific need, and our first step is to understand why insurance is needed as part of the solution. Once we understand why someone wants insurance, we can design a strategy that meets that objective.

Unlike Any Other Experience.

From our first conversation, our clients have a sense that we do things a little differently at DHill Financial. We remain independent, accessing leading insurance carriers through wholesaling relationships in each of our primary product lines. This provides access to the most competitive insurance products, and our role to find the best match of products for your needs.
We deliver a solution that helps our clients win, and we stand by the recommendations we make every step of the way. At DHill Financial, we don’t utilize Account Managers, this allows us to build a deeper institutional knowledge about your approach over a long term of time for optimal success. You’re not being sold a product; you’re getting a promise that we will deliver for you when you need us.

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Health Insurance

Health Insurance – covers the cost of medical services provided by doctors, in hospitals and urgent care centers. Three main types of medical plans include high-deductible Health Savings Accounts, high-deductible plans with office visit co-pays, and low-deductible plans with lower out of pocket limits.

DHill Philosophy: choosing the right network option lowers the cost of health insurance coverage.

Life Insurance

Life Insurance – provides a death benefit to replace future earning potential and to cover specific financial needs in the event of death. Life Insurance would aide in college funding, covering home expenses, loan repayment, new investment, estate planning, and to further philanthropic goals.

DHill Philosophy: ladder term life insurance policies to address a reducing need for income replacement.

Profit Sharing / Employee Retention

Profit Sharing / Employee Retention – developing a strategy to reward and retain key employees is vital to a company’s long-term growth and success. Life Insurance is a tool to reward key employees and show the commitment behind a profit-sharing strategy without giving up equity ownership.

DHill Philosophy: make a promise for tomorrow and for today while increasing value in the company assets.

Disability Income

Disability Income – pays a monthly benefit to cover day to day expenses in the event of disability and you are unable to work. Loss of income due to injury or an extended illness can be covered with a disability insurance plan, limiting the disruption to the budget and the family in a time of need.

DHill Philosophy: get a plan with rates guaranteed over your lifetime that you can keep until retirement.

Vision Benefits

Vision Benefits – coverage for eye exams and eyewear to support improved vision including vision lenses, eyewear frames, and contact lenses. Vision exams and services are separate from medical insurance and can be vital for early detection of major health impairments like diabetes.

DHill Philosophy: look for anti-glare benefits and select a vision plan that allows annual access to benefits.

Dental Insurance

Dental Insurance – covers the cost of dental services with network and out-of-network benefits available. Plans may include regular cleanings and bitewing exams along with coverage for major services like crowns, inlays, outlays, and veneers subject to coverage limits.

DHill Philosophy: Look for plans which allow you to roll-over unused benefits from one year to the next for when you need them!

Long Term Care Insurance

Long Term Care Insurance – covers the added cost of hiring a home healthcare aide or going into a nursing home or assisted living facility if custodial care is needed. Custodial care is assistance with day-to-day activities like bathing, dressing, and eating or supervision due to cognitive impairment.

DHill Philosophy: you will want some long-term care insurance or a hybrid long term care insurance policy.

Medicare Supplement

Medicare Supplement – health insurance for people aged 65 and older typically starts with Medicare. A Medicare Supplement policy covers the 20% of expenses Medicare doesn’t cover along with some of the deductibles included with Medicare; subject to plan selection. Prescription coverage is separate.

DHill Philosophy: Choose a Medicare Supplement policy with dental/vision that doesn’t re-price if you move.