FAQ

Crocker Financial currently serves clients across six states: Ohio: Our headquarters in Kent, Ohio serves clients throughout the state, including Cleveland, Columbus, Cincinnati, Akron, and surrounding communities. South Carolina: Serving Charleston, Columbia, Greenville, Myrtle Beach, and surrounding areas. South Dakota: Available to clients in Sioux Falls, Rapid City, Aberdeen, and throughout the state. Virginia: Serving Richmond, Virginia Beach, Norfolk, Arlington,….. Read More »

Life insurance offers numerous tax advantages that make it a powerful financial planning tool beyond just death benefit protection. At Crocker Financial, we help clients leverage these tax benefits through strategic policy design and implementation. Understanding these tax advantages is essential for maximizing the efficiency of life insurance in your financial plan: Core Tax Advantages of Life Insurance: Tax-Free Death….. Read More »

Permanent life insurance can serve as a powerful and tax-advantaged retirement income supplement when properly structured. At Crocker Financial, we design specialized cash value life insurance policies that provide both lifetime protection benefits and significant retirement income potential through strategic policy design and distribution planning: Life Insurance Retirement Planning Fundamentals: Cash Value Accumulation Phase Premium payments build tax-deferred cash value….. Read More »

Life insurance can serve as a powerful and flexible college funding vehicle when properly structured. At Crocker Financial, we design specialized permanent life insurance policies that provide both education funding capabilities and essential protection benefits. This strategy, often implemented through our SmartStart Insurance program, offers several advantages over traditional education savings approaches: Life Insurance College Funding Mechanics: Cash Value Accumulation….. Read More »

The Infinite Banking Concept (IBC) is a strategic approach to personal finance that uses specially designed dividend-paying whole life insurance policies as a private banking system. This powerful strategy, which we implement for clients at Crocker Financial, allows you to recapture interest typically paid to financial institutions while building tax-advantaged wealth through properly structured life insurance. Core Principles of Infinite….. Read More »

Religious community leaders face unique financial circumstances that require specialized knowledge and solutions. At Crocker Financial, we offer tailored services designed specifically for pastors, ministers, rabbis, imams, and other faith leaders: Clergy-Specific Compensation Planning: Housing Allowance Optimization Maximizing the ministerial housing allowance exclusion Proper documentation and substantiation Parsonage vs. housing allowance analysis Home ownership strategies for clergy Housing allowance in….. Read More »

Rural property owners face unique financial challenges and opportunities that require specialized knowledge and solutions. At Crocker Financial, we offer tailored services designed specifically for those who own farms, ranches, woodland properties, and other rural real estate: Rural Property Protection: Land-Based Asset Protection Specialized insurance for agricultural properties Liability coverage for recreational land use Equipment and outbuilding protection Crop and….. Read More »

Yes, we offer specialized financial services tailored to the unique needs and circumstances of military families. We understand the distinct challenges and opportunities that come with military service and have developed expertise to address these specific situations: Military-Specific Protection Planning: Servicemembers’ Group Life Insurance (SGLI) Analysis Evaluation of coverage adequacy Supplemental insurance recommendations when needed Coordination with civilian insurance options….. Read More »

Young professionals and new families face unique financial challenges and opportunities. At Crocker Financial, we offer specialized services designed to help you build a strong financial foundation during these formative years: Financial Foundation Building: Starter Protection Plans Affordable term life insurance with future insurability options Income protection through disability insurance First-time homeowner protection strategies Liability coverage evaluation Emergency Fund Development….. Read More »

At Crocker Financial, we provide specialized guidance for those approaching and entering retirement, helping transform uncertainty into confidence during this significant life transition. Our comprehensive approach addresses the unique challenges and opportunities of the retirement phase: For Pre-Retirees (5-10 Years from Retirement): Retirement Readiness Assessment Comprehensive analysis of current retirement preparedness Identification of potential gaps and opportunities Development of catch-up….. Read More »

Small business owners face unique financial challenges that require specialized solutions. At Crocker Financial, we offer comprehensive strategies designed specifically for entrepreneurs and business owners: Business Protection Strategies: Key Person Insurance Protection against the financial impact of losing critical team members Coverage tailored to the specific value each key person brings Funding for recruitment and training of replacements Business stability….. Read More »

At Crocker Financial, we provide families and individuals with customized financial protection and growth strategies designed to address their unique circumstances and goals: Protection Planning Comprehensive life insurance solutions tailored to family needs Disability income protection to safeguard earning potential Critical illness coverage for financial security during health challenges Long-term care planning for future health needs Liability protection strategies Family….. Read More »

At Crocker Financial, we pride ourselves on being accessible and responsive to our clients’ needs. We offer multiple communication channels to ensure you can reach us in whatever way is most convenient for you. Direct Contact Options: Phone Support Main Office: (330) 406-5566 Hours: Monday-Friday, 9:00 AM – 5:00 PM ET After-Hours: Urgent message service available 24/7 Call Features: Direct….. Read More »

Missing a premium payment doesn’t immediately terminate your coverage. Insurance policies typically include provisions designed to prevent unintentional lapses. Understanding these safeguards and knowing what to do if you miss a payment can help protect your valuable coverage. Grace Period Protection: All insurance policies include a grace period—a specified time after the premium due date during which your coverage remains….. Read More »

Regular policy reviews are essential to ensure your coverage continues to align with your evolving needs, goals, and circumstances. At Crocker Financial, we recommend a structured review schedule complemented by event-triggered evaluations: Recommended Review Schedule: Annual Comprehensive Review Complete evaluation of all policies Assessment of coverage adequacy Review of beneficiary designations Evaluation of premium efficiency Analysis of any cash value….. Read More »

At Crocker Financial, our relationship with clients extends far beyond the initial policy implementation. We provide comprehensive ongoing support designed to ensure your financial strategies remain aligned with your evolving needs and goals. Here’s what you can expect as a valued client: Regular Policy Reviews: Annual Review Meetings Comprehensive evaluation of all policies and strategies Assessment of any life changes….. Read More »

Keeping your beneficiary designations current is one of the most important aspects of maintaining your financial plan. Life events such as marriage, divorce, births, deaths, or changing relationships may necessitate updates to ensure your benefits go to the right people. Here’s how to update your beneficiary information: Simple Beneficiary Update Process: Contact Your Advisor Call: (330) 406-5566 Email: service@crockerfinancial.online Client….. Read More »

When the time comes for your beneficiaries to file a claim, we’ve established a clear, supportive process to guide them through this potentially difficult period. Here’s who they should contact and what to expect: Primary Contact: Your Crocker Financial Advisor Main Office Number: (330) 406-5566 Available Monday-Friday, 9:00 AM – 5:00 PM ET 24/7 emergency voicemail for urgent claim situations….. Read More »

Insurance claim processing timelines vary by claim type, complexity, and the specific insurance carrier. At Crocker Financial, we work diligently to expedite claims while setting realistic expectations. Here’s what you can typically expect: Life Insurance Claims: Simple Claims (30-45 days) Policies in force for more than 2 years Clear cause of death Complete documentation submitted Single beneficiary Standard policy without….. Read More »

Crocker Financial’s Ripple Model™ is our proprietary approach that combines data-driven insights with personalized, compassionate service. Each client interaction is precisely tailored, empowering clients to reach both immediate financial goals and build lasting, multi-generational legacies. The model recognizes that financial decisions create ripple effects across all aspects of life and across generations, so we design strategies that optimize these positive….. Read More »

Crocker Financial stands apart from typical financial services companies through our distinctive approach and values: Faith-Based Foundation: Our Christian values inform every aspect of our practice, ensuring ethical guidance that prioritizes your best interests and aligns with your values. Proprietary Ripple Model™: Our unique methodology considers the multi-generational impact of financial decisions, optimizing positive outcomes while minimizing potential negative consequences…… Read More »

Crocker Financial currently serves clients across six states: Ohio: Our headquarters in Kent, Ohio serves clients throughout the state, including Cleveland, Columbus, Cincinnati, Akron, and surrounding communities. South Carolina: Serving Charleston, Columbia, Greenville, Myrtle Beach, and surrounding areas. South Dakota: Available to clients in Sioux Falls, Rapid City, Aberdeen, and throughout the state. Virginia: Serving Richmond, Virginia Beach, Norfolk, Arlington,….. Read More »

Matt Crocker is the founder and visionary behind Crocker Financial. As a licensed lif insurance agent, Matt transcends the traditional role of an insurance professional by becoming a trusted guide through life’s most consequential financial decisions. His approach demonstrates profound empathy for families navigating life’s uncertainties; he doesn’t simply sell policies but rather crafts customized protection strategies that provide peace….. Read More »

Our core values shape everything we do at Crocker Financial, particularly in how we design and implement life insurance solutions for our clients: Integrity in Insurance Recommendations Product Transparency Complete disclosure of all policy features, benefits, and limitations Clear explanation of guaranteed vs. non-guaranteed elements Honest presentation of policy illustration projections Full disclosure of premium requirements and flexibility Transparent communication….. Read More »

Crocker Financial is a faith-based financial services company founded by Matt Crocker, dedicated to helping families, individuals, and business owners build wealth with purpose and protect what matters most. We specialize in comprehensive insurance solutions and financial planning services across six states: Ohio, South Carolina, South Dakota, Virginia, Tennessee, and Indiana. Our approach combines data-driven insights with personalized service, ensuring….. Read More »

Yes! We specialize in retirement planning including 401k rollovers, IRA strategies, retirement income planning, and wealth preservation across all 6 states we serve. 401k rollover strategies Traditional and Roth IRA planning Retirement income optimization Social Security maximization Create a tax-efficient retirement strategy aligned with your goals.

We offer 6 types of life insurance through 30+ top carriers: term life, whole life, universal life, indexed universal life, final expense, and group life insurance. Term: 10-30 years, most affordable Whole: permanent with cash value Universal: flexible permanent coverage We’ll help determine the best type for your budget and goals.

We offer comprehensive financial services including life insurance, retirement planning, investment strategies, disability coverage, business solutions, and estate planning across 6 states. Life insurance: term, whole, universal life Retirement planning: 401k, IRA strategies Business insurance: key person, buy-sell Estate planning and wealth transfer Business Succession Planning All services customized to align with your values and goals.

Yes! We offer monthly workshops on topics like Insurance 101, retirement planning, young family planning, business owner insurance, and faith-based financial discussions, available both in-person and online. Monthly educational workshops Insurance 101 sessions Retirement planning seminars Business owner workshops Contact us for upcoming workshop dates and registration.

Virginia residents receive expert services with full Virginia licensing, understanding state regulations, local market conditions, and regional factors affecting financial planning across Virginia communities. Full Virginia licensing compliance State regulation expertise Local market conditions Regional planning factors Local Virginia expertise with comprehensive resources.

South Carolina residents benefit from full SC Department of Insurance licensing, understanding state regulations, local market conditions, and regional economic factors affecting financial planning in South Carolina. Full SC Department of Insurance licensing State regulation expertise Local market understanding Regional economic factors Local expertise with comprehensive multi-state resources.

We help young professionals with affordable term life insurance, student loan protection, first home planning, investment portfolios, family protection, and emergency fund building. Affordable term life insurance Student loan protection strategies First home purchase planning Investment portfolio building Build wealth strategically from your first job through family formation.

We provide business owner solutions including key person insurance, buy-sell agreements, business overhead insurance, executive benefits, and retirement plans to protect and grow your business. Key person insurance protection Buy-sell agreement planning Business overhead insurance Executive benefits and retirement Comprehensive business protection and succession planning.

Key biblical principles include stewardship (Matthew 25:14-30), family provision (1 Timothy 5:8), generational blessing (Proverbs 13:22), debt wisdom (Proverbs 22:7), and generosity (2 Corinthians 9:6-8). Stewardship and wise management Family provision and protection Generational blessing focus Debt wisdom and generosity Practical application of biblical wisdom to modern financial decisions.

Most life insurance claims process within 30-60 days once documentation is complete. Disability claims typically take 45-90 days. We’ll help expedite and keep you informed throughout. Life insurance: 30-60 days Disability: 45-90 days Complete documentation required Expedited assistance provided We track your claim and provide regular updates.

Your first meeting is a relaxed conversation where we learn about your goals, review your current situation, explain how we can help, answer questions, and determine next steps without pressure. Relaxed conversation format Goal and situation review Explanation of services No pressure decisions Just helpful information to make informed decisions.

No, our initial consultation is completely free with no obligation. This is your opportunity to understand your needs and see how we can help without any pressure or commitment. Free Financial Conultation. Completely free consultation No obligation to proceed Understand your needs first No pressure or commitment Just expert guidance to help you understand your options.

Disability insurance replaces 60-80% of your income if illness or injury prevents you from working. Essential for anyone dependent on their paycheck, available in short-term and long-term options. Replaces 60-80% of income Covers illness or injury Short and long-term options Essential income protection Critical protection for your most valuable asset – your income.

A good starting point is 10-15 times annual income, but depends on debts, family expenses, future goals, and dependents. We use comprehensive needs analysis for your specific situation. 10-15x annual income starting point Debt and expense considerations Future goals like college funding Comprehensive needs analysis Personalized calculation based on your unique circumstances.

We offer monthly workshops, one-on-one education, resource library, newsletter, and online resources including webinars and digital tools to help you understand your financial decisions. We want everyone to have the financial education resources that they need. Monthly educational workshops Personal one-on-one sessions Comprehensive resource library Regular newsletter updates Empowering you to make informed financial decisions through education.

We serve families through income protection, education planning, retirement preparation, estate planning, and budget optimization, creating comprehensive financial security across all life stages. Income protection strategies Education funding planning Retirement preparation Estate and wealth transfer Business succession planning Multi-generational financial security planning for your family’s future.

Ohio residents benefit from our full licensing with Ohio Department of Insurance, understanding state-specific regulations, retirement systems, tax implications, and regional economic factors affecting financial planning. Full Ohio Department of Insurance licensing Ohio-specific regulation expertise Local tax and retirement considerations Localized expertise with comprehensive multi-state resources.

We integrate biblical wisdom with modern financial strategies through stewardship principles, values alignment, generational focus, ethical considerations, and applying scriptural wisdom to financial decisions. This gives us true faith based financial planning. Biblical wisdom applied practically Values-aligned investment strategies Generational blessing focus Ethical investment considerations Stewardship mindset guides all recommendations and decisions.

Filing an insurance claim through Crocker Financial is a straightforward process designed to provide support during what may be a difficult time. Here’s our step-by-step guidance: Life Insurance Claims: Initial Notification Contact our office as soon as possible at (330) 406-5566 We’ll guide you through the entire process We serve as your advocate with the insurance company Available 24/7 for….. Read More »

Most services are commission-based with no upfront fees. We provide transparent pricing, explain all costs upfront, and offer flexible payment options including monthly, quarterly, or annual plans. No upfront fees for most consultations Transparent pricing explained upfront Flexible payment options available Investment services may have separate fee structures discussed transparently.

Our financial planning process starts with the Ripple Model, ™ which combines data-driven insights with personalized service through discovery, analysis, strategy development, implementation, and ongoing monitoring. Discovery: Understand goals and values Analysis: Comprehensive situation review Strategy: Customized recommendations Implementation: Step-by-step execution Regular reviews ensure your plan evolves with your life.

Start with a free consultation: schedule a meeting, discuss goals during needs assessment, receive customized recommendations, implement step-by-step, and get ongoing support. Free initial consultation Personalized needs assessment Custom recommendations Ongoing support and reviews No obligation, just expert guidance tailored to your situation.

Term life covers you for specific periods (10-30 years) at lower cost, while whole life provides permanent coverage with cash value growth at higher premiums. Term: Temporary, affordable, no cash value Whole: Permanent, cash value, higher cost Choice depends on budget, coverage needs, and long-term goals.

Life insurance provides financial protection for your loved ones if you pass away, paying a tax-free death benefit to cover expenses, debts, and future goals like college education. <ul> <li>Protects family financial security</li> <li>Covers debts and final expenses</li> <li>Funds future goals like college</li> </ul> <p>Essential for anyone with financial dependents or co-signed debts.</p>

Crocker Financial stands apart from typical financial services companies through our distinctive approach and values: Faith-Based Foundation: Our Christian values inform every aspect of our practice, ensuring ethical guidance that prioritizes your best interests and aligns with your values. Proprietary Ripple Model™: Our unique methodology considers the multi-generational impact of financial decisions, optimizing positive outcomes while minimizing potential negative consequences…… Read More »

At Crocker Financial, our mission is to empower families, individuals, and business owners to build wealth with purpose, protect what matters most, and create lasting financial legacies with peace of mind.

Crocker Financial is a specialized life insurance agency founded in 2023 and based in Kent, Ohio. We focus exclusively on life insurance solutions and insurance-based financial strategies that help families, individuals, and business owners transform financial uncertainty into opportunity through properly structured insurance policies. Our life insurance operations span across Ohio, South Carolina, South Dakota, Virginia, Tennessee, and Indiana, allowing….. Read More »

Yes, Crocker Financial leverages powerful partnerships with Symmetry Financial Group and Quility to provide our clients with access to over 30 top-rated insurance carriers. These strategic affiliations allow us to offer a wider range of products and solutions while maintaining our independent, client-focused approach. Our relationship with these organizations provides several key benefits: Expanded Product Access: We can offer solutions….. Read More »