Integrated Insurance & Protection Planning for Your Whole Financial Life

Insurance isn’t just about policies—it’s about protecting the people, income, and assets you’ve worked hard to build. The right coverage can help your family stay on solid ground if something unexpected happens, support long-term care needs, and provide reliable income alongside your investments in retirement.

At Cammareri Wealth Management Group, we help clients in Orange County, NY see insurance as a coordinated part of their overall financial, retirement, and estate plan—not a collection of disconnected products. Grounded in our five core commitments—communication, consolidation, customized strategies, comprehensive planning, and long-term commitment—we review what you already own, identify gaps or overlaps, and help you decide what types and amounts of coverage truly fit your goals.

Life Insurance Planning

Life insurance is one of the simplest ways to protect the people who depend on you. We help you determine how much coverage you really need, understand the differences between term and permanent insurance, and decide whether to keep, adjust, or replace existing policies. Every recommendation is tied back to real goals like income replacement, debt payoff, education funding, or legacy planning.

Long-Term Care & Medicaid Planning

Long-term care needs can quickly reshape a family’s finances and future plans. We walk you through the potential costs of care, how different funding options work—income, savings, insurance, and Medicaid—and what they could mean for a spouse or heirs. Our focus is on helping you make informed decisions about long-term care insurance, Medicaid planning with the help of legal professionals, and other strategies that support both your quality of life and your legacy goals.

Annuities & Retirement Income Solutions

Annuities and other guaranteed-income tools can provide stability in retirement when they’re used thoughtfully. We review any contracts you already own, explain them in plain language, and help you decide if they still fit your needs. When appropriate, we evaluate new annuity and income solutions in the context of your entire retirement plan—alongside Social Security, pensions, and investment withdrawals—so any guaranteed income plays a clear, intentional role instead of standing alone.