Anil Khanchandani, CLTC® — Licensed Life and Health Insurance Producer
Defensive financial planning for families, retirees, and business owners in Secaucus, Hudson County, and 23 other states.
Clarity before coverage.
Defensive financial planning means putting protection first — making sure your income, your family, your retirement, and your legacy are covered against the things that can go wrong, before pursuing growth. It's about preparing calmly ahead of time rather than reacting in a crisis.
I'm independent, so I'm not tied to one company or one product. That lets me walk you through your options across life insurance, retirement income, Medicare, long-term care, estate liquidity, and business protection — and work alongside your CPA, attorney, and advisory team so the pieces fit together instead of sitting in isolation.
Every conversation starts with your situation, not a product. You'll understand what you're looking at before you decide anything.
What Is Defensive Financial Planning?
Defensive financial planning means putting protection first — making sure your income, your family, your retirement, and your legacy are covered against the things that can go wrong, before pursuing growth. It's about preparing calmly ahead of time rather than reacting in a crisis.
At US Life Solution LLC, that means education first. We look at income protection, retirement income, Medicare, life insurance, mortgage protection, long-term care, estate liquidity, 401(k) rollover options, health coverage, and business protection — in the states and product lines where I'm properly licensed and appointed.
Instead of starting with a product, we start with your situation: your family, your income, your home, your retirement goals, your healthcare needs, your business, and what you want to leave behind.
Defensive planning may help you:
- Protect your income and your family's stability
- Understand your Medicare and health coverage options clearly
- Prepare for retirement income and the risk of living a long time
- Protect the family home through mortgage protection planning
- Plan ahead for long-term care and estate liquidity
- Help a business protect continuity, partners, and key employees
Protect what you've built.
I'm based in Secaucus and work throughout Hudson County — Jersey City, Hoboken, Union City, West New York, North Bergen — in person, by phone, or on video. I'm also licensed in 23 other states.
- Licensed life and health insurance producer in 24 states: CA, CO, CT, DE, FL, GA, HI, IL, KY, LA, MD, MA, MI, NV, NJ, NY, NC, OH, PA, SC, TN, TX, VA, WA
- CLTC® — Certified in Long-Term Care
- Independent — access to 20+ carriers, not tied to any one company
- English, Hindi, and Sindhi
- A no-obligation review, at your pace
What I help with
- Life insurance and income protection
- Retirement income education
- 401(k) and employer plan options — all four routes explained
- Social Security timing education
- Medicare Advantage, Part D, and Medicare Supplement
- Long-term care and extended care planning
- Estate liquidity and legacy funding
- Business owner protection
I educate; I don't advise. When a decision calls for tax, legal, or investment advice, I'll tell you and help you bring in the right professional.
Carriers I'm Appointed With
