Insurance & Risk Management
Risk Management
Understanding how to manage risk can be confusing and difficult. At Sterling Edge Financial, our job is to provide processes, conversations and education to help you make informed decisions to manage your financial risk. We provide ongoing service, advice and placement of insurance solutions to serve your financial plans. Use the links below to gather additional information and perspective on risk management. Additional links to insurance providers can be found below to help you locate and access your information online.

Life Insurance
Creating a strategy that may help your loved ones is one of the most important and fundamental steps in developing a sound financial approach. This calculator may help you better assess your family's needs in the event of your untimely death.

Disability Insurance
Disability insurance is often overlooked, but it can play a critical role in your overall financial plan. This calculator may help you better assess the your household's "sources and uses" of money, which is one place to start when considering disability insurance.

Long Term Care
There are basically two approaches when considering your long-term care needs: self-insure or purchase long-term care insurance. Use this calculator to determine your potential long-term care needs and how long your current assets might last.

Cost of Long Term Care by Zip Code
The cost of long-term care varies based on care setting, geographic location of care and level of care required, among other things. Using Genworth’s Cost of Care Survey tool below, you and your family can calculate the cost of long term care across the U.S. Understanding what the median cost is today is a first step to helping you plan for it.
Life Insurance Pre-Screen
Use the link below to start your application for life insurance.
Disability Insurance Pre-Screen
Use the link below to start your application for disability insurance.
Long Term Care Pre-Screen
Trust. Honesty. Integrity. We believe values matter, and we live by ours every day.
Life Happens
LifeHappens.org is a non-profit website designed to inform and educate consumers on insurance products. With stories, videos and research.

Life Insurance
Online Access to Policy Documents, Statements. Update Information, File a Claim
Securian Financial Group, Inc. is a mutual holding company that provides a range of financial products and services including life insurance.

Guardian Life and Disability
Online Access to Policy Documents, Statements. Update Information, File a Claim
The Guardian Life Insurance Company of America is one of the largest mutual life insurance companies in the world.

Standard Life and Disability
Online Access to Policy Documents, Statements. Update Information, File a Claim

Penn Mutual
See Investment Statements for All Accounts
The Penn Mutual Life Insurance Company was founded in Philadelphia, Pennsylvania, in 1847. It was the seventh mutual life insurance company chartered in the United States.

Midland National
Online Access to AssetMark Investments.
Reports, Statements and Tax Documents

Nationwide
Online Access to Policy Documents, Statements. Update Information, File a Claim
An Arm and a Leg
Extended Care: A Patchwork of Possibilities
The Other Sure Thing