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Atomi Financial Group, Inc. is a California Registered Investment Adviser. Call us toll free at 888-533-9364.

Office location: 20 Executive Park, Suite 120, Irvine, CA 92614. Mailing address: P.O. Box 11687, Newport Beach, CA 92658.

Please read our Disclosures Statement, Privacy Policy, & Business Continuity Plan. © 2018 Atomi Financial Group, Inc., all rights reserved.

Please visit FINRA's BrokerCheck & SEC's IA Public Disclosure Database for information on Atomi Financial Group. Our CRD number is 171787.

INSURANCE

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Life Insurance

With its combination of favorable tax treatment, cash value growth, death benefit protection, premium flexibility, and investment flexibility, life insurance is a great solution for many financial needs that go far beyond traditional death benefit protection.  Essential to protecting your legacy, a properly structured life insurance policy can become an integral piece of your overall wealth management plan.

 

Just some of the ways in which life insurance can be utilized include:

  • Income protection for beneficiaries

  • Tax-advantaged investing and income

  • College funding

  • Charitable giving

  • Estate planning

 

For business owners, life insurance can be used for:

  • Funding Buy-Sell agreements

  • Key person Insurance

  • Executive bonus plans

  • Non-Qualified Deferred Compensation plans

  • “Split Dollar” policies

  • Captive insurance

Protecting What Matters Most 

No financial plan is complete without a thorough risk management assessment. One of the many services Atomi Financial Group provides is a thorough insurance assessment in which we review your insurance policies to ensure you are using the right forms of insurance effectively throughout your wealth management plan.

In our experience performing insurance assessments, we have found that life insurance, long term care insurance, and disability insurance are often not being effectively used and integrated into existing wealth management plans.

Long Term Care Insurance

Long Term Care (LTC) is an often misunderstood concept. It is generally understood as any non-acute (e.g., out of a hospital) assistance provided to an individual who may be suffering from depleted mobility.  The range of LTC services may range from basic non-medical assistance with daily activities such as bathing, dressing, toileting, administering medication all the way up to full-time skilled nursing care. These services may be provided in the home, a long term nursing facility, or an assisted-living facility.

Atomi Financial Group can help you understand the nuances of Long Term Care Insurance, its costs, and when it’s optimal to purchase.

Disability Income Insurance

Disability Insurance is used to replace your current income should you suffer from an accident or illness that prevents you from returning to work.

Employers often offer some form of short-term Disability Insurance, which generally lasts up to 90 days of coverage. However, it is important to note that statistics suggest that the younger a worker is, the greater their chance of suffering a disability that last longer than 90 days. Atomi Financial Group can help you determine whether Disability Insurance is appropriate given your circumstances.

Personal Lines

Allow Atomi Financial Group to be your single source solution for all of your personal insurance needs. By combining our financial planning experience with our partner's industry knowledge and independent access to a broad selection of carriers, we are able to navigate all of your tough and complicated insurance issues.

Atomi, our partners, and our insurers work closely together to integrate comprehensive risk management services and loss mitigation techniques. We'll work with you to identify, appraise, secure and protect your portfolio of personal assets with professionalism and personal attention.

Products include:

  • Homeowners, Condos, Tenant, and Rental Property

  • Autos, RVs, and Motorcycles

  • Personal Umbrella

  • Yachts, Watercraft, and Personal Aviation

  • Jewelry, Fine Art and Collectibles

  • Kidnap and Ransom

Commercial Lines

Atomi Financial Group understands the wide range of risk in today’s business world. Atomi’s commercial insurance partners have written commercial lines policies for more than 50 years; helping clients manage just about every business risk imaginable.

In order to provide a truly holistic solution, we invest the time to truly understand your business, identify and prioritize the risk factors impacting your business, and then, with the help of our partners, build risk management solutions tailored to your specific needs. What sets us apart?

  • ​​We explain the coverage, the process, and the policy

  • Account managers who are knowledgeable in the policies they write

  • Service standards that far exceed industry norm

  • Competitive terms from the best carriers in the market

  • Policy forms that provide broad available coverage

For more information on specific types of Commercial Insurance coverage available, please click on the following button: