Protection Planning | The Protection Pro

The Risk You Can't Ignore

What Happens If You Can't Work?

Imagine waking up tomorrow unable to work due to a sudden illness or injury. For most families, the bills don't stop—mortgage payments, childcare, car loans, and everyday expenses continue regardless of your health.

For medical professionals and engineers, the stakes are even higher. Your specialized income supports a lifestyle your family depends on. A career-ending disability or unexpected death could leave your loved ones struggling to maintain the life you've built together.

The good news? With proper protection planning, you can ensure your family is taken care of no matter what life throws at you. That's where we come in.

Comprehensive Coverage

What's Included in Protection Planning

Life Insurance

Term and permanent life insurance options tailored to your needs. We calculate the right coverage amount based on your income, debts, and family goals, then help you find the best rates from top carriers.

Disability Income Protection

Replace your income if you can't work due to illness or injury. We help you understand own-occupation vs. any-occupation policies and find coverage that protects your specific career and income level.

Long-Term Care

Coverage for nursing home or in-home care in later years. We evaluate whether long-term care insurance makes sense for your situation and help protect your retirement assets from catastrophic care costs.

Business Protection

For business owners: key person insurance, buy-sell funding, and business continuation planning. Protect both your personal family and your business from the unexpected.

Is This Right for You?

Who Protection Planning Is For

Medical Professionals

High income, demanding careers, and families who depend on you. You need coverage that matches your earning potential and protects against career-ending disabilities.

Engineers & Technical Specialists

Specialized skills that command premium pay. You want efficient, optimized solutions that protect your family without overpaying for unnecessary coverage.

Parents with Young Children

Mortgage, childcare, education costs—your family's future depends on your income. You need to ensure they're protected if something happens to you.

Business Owners

Your personal and business income are intertwined. You need coverage that protects your family and ensures your business can continue without you.

Simple Process

How It Works

1

Tell Us Your Goals

Quick questionnaire about your protection needs (2 min)

2

Complete Factfinder

Detailed questionnaire covering health, income, dependents (10 min)

3

Ron Reviews

Ron analyzes your situation and identifies coverage gaps

4

Get Your Plan

Receive personalized recommendations with coverage amounts

5

Apply & Protect

Ron guides you through applications and policy setup

The Reality Check

Most People Are Underinsured

Here's why your current coverage might not be enough.

"Group coverage through work isn't enough."

Employer life insurance is typically only 1-2x your salary—nowhere near enough for most families. If you earn $150,000 and have a mortgage, kids, and a spouse who depends on your income, $150-300k won't cut it.

"Disability is more likely than death before 65."

Over 25% of today's 20-year-olds will become disabled before reaching retirement age. Yet only a fraction have disability insurance. If you can't work, how will your family survive financially?

"Your expenses don't stop if you're gone."

Mortgage payments continue. Childcare costs don't disappear. College funds still need to be built. Your family needs enough life insurance to maintain their lifestyle and achieve their goals without your income.

"Long-term care can wipe out retirement savings."

The average annual cost for nursing home care in Ohio is over $90,000. Without coverage or a clear plan, long-term care needs can devastate the retirement savings you've spent decades building.

Success Stories

What Our Clients Say

"I thought my coverage through work was enough until Ron showed me the math. He helped me understand exactly how much my family would need and found me a policy that fit my budget. Now I have peace of mind knowing my wife and kids are protected."

David

Physician, Cleveland Clinic

Your Protection Planning Partner

I'm Ron Ray Maxwell, a Cleveland native with over 20 years of experience helping families secure their financial future. I've personally helped hundreds of clients navigate life insurance and disability coverage decisions—from young parents getting their first policy to medical professionals needing specialized coverage.

Learn more about Ron

Common Questions

Protection Planning FAQ

Most Ohio families need 10–15x their annual income in life insurance coverage, but the exact amount depends on your mortgage balance, number of dependents, future education costs, and existing employer coverage. A proper needs analysis considers Ohio’s cost of living and your specific debts. Ron calculates your exact coverage gap so you’re never over-insured or under-insured.

Employer disability benefits typically cover only 60% of your base salary and are taxable—meaning you may receive just 40–45% of your actual take-home pay. Group policies also end if you leave your job. Individual disability insurance, especially own-occupation coverage, protects your specific income and stays with you regardless of employment changes. For Ohio professionals earning $100,000+, the gap between employer coverage and actual needs can be significant.

Term life insurance provides coverage for a set period (10, 20, or 30 years) at a lower premium—ideal for covering a mortgage or protecting dependents during your working years. Whole life insurance lasts your entire lifetime and builds tax-deferred cash value, but costs significantly more. Most Ohio families benefit from term coverage for the bulk of their needs, with permanent insurance used strategically for estate planning or wealth transfer goals.

In Ohio, the average cost of a private room in a nursing home exceeds $100,000 per year, while assisted living averages around $55,000 annually. Home health aides cost $25–$30 per hour. Without long-term care insurance, these costs can quickly deplete retirement savings. Ron evaluates whether traditional long-term care insurance, hybrid policies, or self-funding strategies make the most sense for your situation and budget.

Usually not. Most employer group life insurance policies only cover 1–2x your annual salary, which falls far short of what families need to replace income, pay off a mortgage, and fund children’s education. Employer coverage also ends when you leave your job. An individual term life insurance policy locks in your rate and stays with you regardless of employment changes—critical for long-term family protection.

Life insurance approval timelines vary by policy type and carrier. Accelerated underwriting policies can be approved in as little as 48 hours with no medical exam for qualifying applicants. Traditional fully underwritten policies take 2–4 weeks, including a paramedical exam. Ron helps you choose the right application path based on your health profile and coverage needs to get you protected as quickly as possible.

No Obligation. No Pressure.

We'll show you exactly what you need before you commit to anything. No surprise sales pitches or pressure to buy. You'll understand your options and make your own informed decision.

Transparent pricing means you always know what you're paying and why. Our $750 planning fee is clear upfront. Insurance premiums are quoted before you apply so there are no surprises.

Your interests come first. Ron is a fiduciary, which means he's legally required to act in your best interest—not to sell you products that benefit him.

Ready to Get Protected? Here's What Happens Next.

Click the button below to tell us about your protection goals. You'll complete a brief questionnaire (2 minutes) followed by our insurance needs factfinder (10 minutes) so Ron can prepare for your call. Then you'll schedule your consultation at a time that works for you.

Start My Protection Plan

Start Your Protection Plan Today

Don't wait until it's too late. Get the protection your family deserves with a personalized plan from The Protection Pro.

Start My Protection Plan Prefer to talk? Call (440) 655-2675

Protect Your Family's Financial Future