We’re excited to share that Waldman Accounting is now licensed to provide integrated life insurance, health insurance, and annuities services alongside your tax planning. We already collaborate closely with you on taxes, so we can now deliver insurance quotes and recommendations efficiently without lengthy form-filling.
Most people get insurance advice that misses tax implications. Now you’ll be able to make informed insurance choices that holistically consider your full financial picture.
As your insurance agency, we promise transparency over sales. We will clearly outline the pros and cons of each option, how it affects your taxes and cash flow, and when it doesn’t make sense—so you can decide with confidence.
Comprehensive financial guidance under one roof
With Waldman Accounting as your insurance agency, you can count on:
- Faster quotes with less hassle. We already have your financial context and secure documents on file (with your permission), so we can request accurate quotes from insurance companies quickly.
- Tax-aligned recommendations. Insurance decisions can impact your taxes—premium deductions, HSAs, S-corp owner rules, and more. We help you avoid surprises.
- No more juggling multiple advisors. From plan selection to renewals and tax reporting, you work with the same advisors who understand your full picture.
Why this matters: real problems we’re solving
“During tax season, we regularly see clients who purchased health insurance through Healthcare.gov only to discover they owe thousands in subsidy repayments. These clients worked with insurance agents who didn’t understand their financial situation and underestimated their income to secure lower premiums. As a one-stop-shop for insurance, bookkeeping and tax planning, we can prevent this from happening to our clients by ensuring their insurance decisions align with their actual financial picture.” – Ian Waldman, Founder
Key individual & family insurance policies made simple
Life insurance (term & permanent)
- Term life insurance: Budget-friendly coverage for a set period of time (e.g. 10–30 years). Pros: high coverage per dollar. Considerations: expires after the term unless converted.
- Permanent life insurance (whole/universal): Lifelong coverage with potential cash value. Pros: lifetime death benefit potential; cash value features. Considerations: higher premiums; product complexity.
- Common life insurance policy riders: Living benefits, waiver of premium, child riders—when appropriate and suitable.
Health insurance for individuals, families & small businesses
- Individuals & families: Marketplace guidance, plan comparisons (networks, Rx, deductibles, OOP max), and help reporting life changes to keep subsidies accurate.
- Self-employed & S-corp owners: Coordination with deductions and payroll reporting where applicable.
- Small-business benefits: Group health (including SHOP), and HRA options like ICHRA/QSEHRA; we design contributions to fit budget and recruiting goals.
Annuities (income & principal-protection focus)
- Fixed & Fixed Indexed Annuities: Emphasis on principal protection and contractually defined growth parameters. Pros: downside protection; tax-deferred growth. Considerations: liquidity limits, surrender charges, crediting caps/spreads.
- Immediate/Income Annuities: Turn assets into predictable income streams. Pros: longevity risk management. Considerations: irrevocable income choices; inflation trade-offs unless indexed.
We’ll show total cost, liquidity, time horizon, and tax impact side-by-side so you can weigh the trade-offs clearly.
Where we are licensed
- Florida: Currently available.
- Other states: No problem—we can usually apply quickly to serve you. We’ll confirm timing and availability before we start.
- Exceptions: We currently do not offer these services in New York or California due to tougher regulations.
Availability, product features, and timelines vary by state and carrier. We’ll verify details up front so there are no surprises.
Our simple and secure process for insurance shopping
- Discovery (Zoom): Share goals, budget, family or team details. We’ll request permission to use secure information we already maintain.
- Quick insurance quotes: We gather carrier quotes efficiently and build apples-to-apples comparisons.
- Transparent review: You’ll see the positives and negatives of each option, including taxes, fees, liquidity, guarantees, and potential risks.
- Apply & coordinate: We guide applications, underwriting, and (for employers) payroll/reporting setup.
- Ongoing support: Renewals, life changes, new hires, beneficiary updates, and tax-time coordination.
Not currently a client? Here’s how it works
- Secure intake link: We’ll send you a private, encrypted link to share only the sensitive details we need for quoting. No email attachments with SSNs or income docs. We do not sell your information.
- Fast quotes (we do the legwork): With your permission, we populate applications, verify details, and price plans across carriers—so you don’t have to.
- Book a Zoom at your convenience: Use our live calendar to pick a time that works for you. We’ll walk through options, explain policy language, and answer questions.
- Smooth handoff into tax season (optional): If you enjoy working with us, it’s easy to roll into tax time—just update us on any life or income changes, and we’ll align your benefits with your tax plan.
Our commitment to security & privacy
We already handle sensitive documents for taxes and planning. Your information stays encrypted and access-controlled, and we only use it for quoting with your consent. We do not sell your information, and we do not add you to lead lists. You also won’t get spammed by other providers when you work through us. We share data only with the Marketplace/carriers as needed to obtain quotes and complete applications.
Ready to explore your options?
Whether you’re shopping for life insurance to help financially protect your family or want to explore what health insurance options are available to you, we’re here to help you navigate those decisions in a way that aligns with your budget, needs and long-term tax planning.
Contact us today to schedule your free insurance consultation: info@waldmanaccounting.com
Frequently asked questions
I’m not a current tax client—can you still work with me?
Yes. We’ll send a secure intake link, gather quotes, and meet on Zoom. We can serve most states (not NY/CA) and will confirm availability first.
Why shouldn’t I just do this myself?
We’re trained and licensed to interpret policy terms, riders, underwriting, networks, and tax implications (APTC/subsidy reconciliation, HSAs, S-corp owner rules). We explain trade-offs clearly and help you avoid mistakes that can lead to surprise costs later.
Will I get spammed by other providers if I request quotes through you?
No. We do not sell your information. We limit sharing to what’s required for quoting and applications and do not place you on external marketing lists.
Can you work with me if I’m not in Florida?
Yes, we can often apply quickly to serve your state. We’ll confirm timing before we begin. We are not available to serve residents of NY or CA.
How fast can I get a quote?
For existing clients, since we already work together and maintain secure information we need for most quotes, we can prepare quotes faster than starting from scratch from an independent insurance agent.
Do you meet virtually?
Yes. We offer Zoom meetings and can share calendar access so you can pick a time that works best for your schedule.
Do you recommend a specific product or carrier?
We are product and carrier agnostic. We’ll present competitive options and be open about trade-offs—cost, features, liquidity, and guarantees—so you can choose confidently.
How do taxes factor in?
We integrate tax considerations (deductions, payroll reporting for owners, HSA eligibility, and how annuity income is taxed) into our comparisons.
This post is for general information and isn’t tax, legal, or insurance advice. Individual results depend on specific circumstances and current law. Always consult with licensed professionals for your situation.