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Insurance Planning

In all four areas of personal insurance — life insurance, disability, long-term care, and individual property and casualty — The Bensman Group, with over three decades of experience, develops solutions for clients through our access to a wide range of highly respected insurance companies. 

The financial professionals of The Bensman Group take a very personal approach, reviewing a client's current insurance coverages, needs, objectives, and a wide range of "what-if" scenarios. After extensive comparative analysis, we provide specific recommendations based on each client's unique requirements including financial position, cash flow, contractual features and flexibility. Our knowledge base and relationships with insurance companies enable us to secure attractive underwriting decisions that can truly make a difference to our clients. 

Life: The role of life insurance changes over time. Professionals of The Bensman Group work closely with clients to determine the amount of coverage required, as well as the types of insurance needed, including term, universal life, or variable universal life policies while taking into account your current and future estate planning needs. 

Disability: We offer creative solutions to meet our clients' personal and business income replacement needs. We develop comprehensive coverage strategies by including both traditional and specialty insurance. 

Long-Term Care: As life expectancies increase, long-term care has become an increasing need for clients seeking to preserve their quality of life and protect their financial assets. The Bensman Group's long-term care insurance specialists are experienced in matching client needs with available coverage. 

Individual Property and Casualty: This is a cornerstone of our practice, distinguishing us from many financial services firms. We help add significant value for our clients by evaluating their exposures and providing the broadest forms of coverage available. In many cases, our experience and knowledge make the difference when negotiating delicate matters on behalf of our clients.


One of our core strengths is coordinating an effective team of professionals to evaluate and execute customized solutions that can help you achieve the specific goals outlined in your planning.

 Michael R. Collins                                                 
 Director, Individual Insurance
 fax: 847-572-0501                                               

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Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc., or Schemata, LLC. is not affiliated with Kestra IS or Kestra AS. Kestra IS and Kestra AS do not offer tax or legal advice and are not Certified Public Accounting Firms.

This site is published for residents of the United States only. Registered Representatives of Kestra IS and Investment Advisor Representatives of Kestra AS may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact Kestra IS and Kestra AS Compliance Department at 737-443-2582.

This communication is strictly intended for individuals residing in the state(s) of IL. No offers may be made or accepted from any resident outside the specific states referenced.

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