Insurance Design Kimsa’s approach to insurance is rooted in customization, innovation, and viewing insurance as an independent asset class. Everyone has different goals and objectives, and this necessitates a tailored design that goes beyond our client’s expectations. With the right structure, we can help our clients take advantage of features unique to insurance that add to the long-term performance of their overall financial portfolio. Often the purpose is to cover unexpected healthcare costs, the loss of a loved one, income replacement, building a tax-free supplemental retirement plan, offering unique executive benefits, or utilizing premium financing for more efficient capital allocation. Our passion is not only to help design and execute a plan for insurance, but to guide you down a path that provides an overall better long-term outcome for you, your loved ones, your business, and your community.