Individual Insurance Planning: Build Your Personal Foundation First
Most small business owners protect their company for years while leaving their own life, disability, and long-term care coverage until later — Some1 Family Office brings your full individual protection review into one conversation, on your schedule.
Why Personal Coverage Gets Left Behind — and Why That Gap Carries Real Risk
The corporate employee has a built-in safety net: employer-sponsored health coverage, a group life policy, short-term disability, sometimes long-term care. The small business owner, independent practitioner, or trades contractor has none of that unless they have built it for themselves.
Based in Atlanta and working with small business owners and independent professionals across Georgia, Some1 Family Office covers the personal insurance planning Georgia residents in business for themselves often put off — the life, disability, and long-term care coverage that holds your finances and your family together when the business cannot.
The goal is not to sell a policy. It is to understand your full picture and tell you what you actually need.
Individual Coverage, Every Category, One Advisor
Life Insurance
Term, whole life, and indexed universal life, with each structure built for a different situation and financial horizon. Jay Thurlow actively advises clients on IUL and the infinite banking concept — a strategy that uses the cash value component of a permanent policy as a tax-advantaged financing tool for business owners who want their life coverage doing more than one job.
Long-Term Care Insurance
Long-term care coverage funds home care, assisted living, and skilled nursing facility costs — expenses Medicare typically does not cover. For business owners without an employer-sponsored plan, this is one of the most financially consequential gaps in a personal coverage portfolio and one of the most consistently overlooked.
Disability Insurance
If an illness or injury prevents you from working, disability insurance replaces a portion of your income and keeps your financial obligations in place during recovery. For self-employed business owners and independent contractors, disability income coverage is often the most critical policy they do not carry.
Annuities
Annuities convert a lump sum into a structured income stream — a retirement income floor that pays regardless of market conditions. For business owners without a pension or employer retirement plan, an annuity adds a layer of predictability when variable income no longer fits the stage of life.
Individual Health Insurance
For business owners who do not offer group coverage or do not qualify for a group plan, individual health and ACA marketplace plans provide the baseline coverage layer. We review your options across the market and help you find a plan that fits your actual budget and situation.
Medicare
Medicare planning is not a one-time decision. It is a set of enrollment windows, coverage gaps, and supplement options that require guidance to navigate correctly before the decision point arrives. We work with pre-retirees and retirees across Georgia to understand their Medicare choices and get into the right coverage from the start.
Travel Insurance
Travel insurance covers medical emergencies, trip cancellations, and evacuation costs when standard health coverage stops at the border. For frequent business travelers and international visitors, it is straightforward, low-cost coverage that fills an otherwise significant gap.
One Conversation to Understand Your Full Individual Protection Picture
We start with a 24-minute intake conversation, not a product presentation. We use that time to understand where you are, what you already have, and what a gap in coverage would actually mean for your income and your family. From there, we walk through each coverage type relevant to your situation and explain who it is for — and who it is not for.
You will not hear a pitch. You will hear a clear explanation and, at the end of it, a set of recommendations that fit your life.
Common Questions About Individual Insurance Coverage
What types of individual insurance do I need as a small business owner?
It depends on your situation, but most small business owners without employer-sponsored coverage have meaningful gaps in three areas: income replacement if they cannot work, life coverage for their family and dependents, and long-term care planning for costs Medicare will not cover. Individual health coverage may also apply depending on how your business is structured. The answer starts with a conversation about what you currently have and what a gap would actually cost you.
How do I find an independent advisor for life and disability insurance in Atlanta?
Some1 Family Office provides independent individual insurance advisory services for clients across the Atlanta metro area and virtually throughout Georgia and beyond. As an independent insurance advisor in Atlanta, GA, we are not contracted to a single carrier — we review options across the market and recommend coverage based on your situation, not a sales target.
What happens if I cannot work anymore — is disability insurance worth it?
For self-employed business owners and independent contractors, disability insurance in Georgia is often the most financially consequential coverage they carry. Without employer-sponsored disability benefits, a period of illness or injury has a direct and immediate impact on income and obligations. Disability coverage replaces a portion of your income during recovery and keeps your financial commitments in place while you focus on getting back to work.
What is IUL and is it the right coverage for me?
Indexed universal life insurance is a permanent life coverage product with a cash value component tied to a market index. Over time, that cash value can be accessed as a tax-advantaged financing tool — the foundation of the infinite banking concept — for business owners who want their life coverage to serve a dual financial purpose. It is not the right fit for every client, but for those with a longer time horizon and interest in financial flexibility, it is worth a dedicated conversation.
Some1 Family Office is an independent insurance agency serving individuals, small business owners, and families across the Atlanta metro area and virtually beyond. For personal insurance planning across Georgia, this is where the conversation starts. Learn more about our advisory approach on our About page.
Your Business Has a Foundation. Now Build One for Yourself.
Individual coverage — life, disability, long-term care, and health — is the financial floor beneath everything else you have built. Schedule a 24-minute consultation and find out where you stand and what, if anything, needs to change.