Life & Disability

Dyste Williams offers competitively priced Life and Disability policies from a variety of companies to help you meet contractual, business and all of life’s requirements. Life and Disability policies can be leveraged in a variety ways to add security to life’s most challenging circumstances.

Risk Management

We review your current insurance coverage, assess your liability, and discuss your needs and preferences.

Do you feel adequately protected? What’s the right amount of insurance for you?

We listen and make recommendations. The insurance overview includes discussion of employer benefits (if applicable), life insurance, disability, long term care, auto and home policies, umbrella liability, deductibles vs. cash reserves, policy status, beneficiary designations, special needs situations and additional coverage strategies.

Planning for Business Owners

Business owners have complex financial lives that blend business and personal considerations. We offer comprehensive risk management that incorporates both individual and business needs. We understand the diverse needs of the business owner who must consider personal tax and retirement issues while strategizing to maximize the financial health, success and future of their company.

Further, we can help discuss strategies for the toughest decisions a business may have; what happens when an individual who is critical to the business’s success dies or is disabled unexpectedly?

How do you fund the sale of a business to buy out a deceased business owner? How does a business meet the day to day expenses of their business while a key person recovers from a serious injury or illness.

We will work with your other professional advisors, attorneys, and accountants to structure Life and Disability coverages to provide a business the means to stay solvent and maintain value through a number of challenging circumstances.

Health Care

Health care planning can have a significant impact on finances for those close to, or in, retirement. It’s important to consider the choices carefully, particularly regarding Medicare and Medigap policies.

For advice on individual health insurance policies, including Medicare and HSAs please reach out to our benefits departments at 952-593-5025.

We do not offer every Medicare plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.