Protect yourself

Taking the appropriate steps to safeguard your family and your property preserves your emotional as well as your financial well being. Most likely, you have some form of insurance protection. But frequently, risk coverage is not managed as rigorously as other financial holdings. Centralizing your personal insurance can help you secure better rates and guard against being under-insured or over-insured. It also provides access to specialized types of coverage.

JPMorgan's insurance advice is informed not only by our sophisticated analytic capabilities but also by our long experience working with wealthy families. Your family's situation is unique, and our advice is customized accordingly. Based on a through understanding of your risk exposure, we can suggest a customized, cost-effective program. Through our alliances with the highest quality insurers, we are often able to obtain policies on favorable terms, while maintaining strict product and carrier impartiality.

Protecting your property
Your home and personal possessions are vulnerable to fire, theft and vandalism, among other threats. Our experienced advisors can clarify the nuances in basic homeowner's, automobile and valuables insurance to make sure that your particular requirements — such as special policies for jewelry and fine art — are met. We have distinct expertise in insuring aircraft, watercraft and classic automobiles. And where advisable, we can provide access to flood, earthquake and wind insurance.

Protection against liability suits
Wealth places you at increased risk of liability suits. The more complex your affairs, the more you are at risk. Most insurance advisors recommend excess liability coverage or "umbrella" policy. To help determine the appropriate coverage, we assess your lifestyle, the level of risk you face, your risk tolerance, and the cost of insurance.

Kidnap and ransom
Virtually anyone could be the victim of a kidnapping — a threat that has grown rapidly over the past decade. Kidnap and ransom insurance provides both financial indemnification and expert crisis management. We can assess whether you should purchase this coverage.

Life, disability and long-term care insurance
Properly structured, life insurance can simplify transfers of your wealth, provide income- and estate-tax benefits, and serve as a vehicle for tax-efficient investing. To take advantage of these benefits, it's crucial to work with an advisor who thoroughly understands your goals and your personal balance sheet.

After analyzing your planning needs, we can recommend insurance strategies and, if appropriate, disability and long-term care coverage, as well.

Contact a JPMorgan Advisor to learn more about JPMorgan's insurance services. Alternatively, you may contact any JPMorgan office.