Frequently Asked Questions
Wondering how wealth insurance actually works? Or maybe you're curious about whether it's right for your situation? We field these questions constantly. Rather than leave you guessing, we've compiled the real conversations we have with folks every single week at Citadel Capital Guard.
Look, it's not one-size-fits-all. We help you build a fortress around your assets — think life insurance, disability coverage, liability protection, and estate planning. Your wealth didn't accumulate by accident. Why leave its protection to chance? We're talking about safeguarding what you've actually built, keeping it in your family's hands, and making sure taxes don't eat it alive when you're gone.
No fixed price tag here. Pricing depends on what you're protecting, your age, health, and how much coverage makes sense. We've worked with clients paying anywhere from modest monthly premiums to more substantial annual investments. During your consultation, we'll show you specific numbers tied to your actual situation. No guessing games. No hidden fees buried in page 47.
It varies, but here's the honest breakdown. Initial consultation? Minutes. Getting your plan sketched out? Few days to a week. Medical underwriting (if needed)? That's typically 2-3 weeks. Total time before you're fully protected? Usually 3-6 weeks. Sometimes faster. Sometimes slower if there's complex stuff involved. We'll give you a real timeline once we understand your specific circumstances.
Yes and no. We're based in Galați, so face-to-face meetings happen easiest here. But we absolutely work with people across Romania via phone, video calls, and email. You don't need to sit in our office to get protected. Distance isn't really the issue anymore — good communication is. If you're serious about securing your wealth, we'll make it work.
Life changes. Your family grows. Your business expands. Your assets shift around. Your coverage should flex with that reality. We adjust policies regularly without drama. Want to bump up your protection? Modify what's covered? Switch providers? Done. We're not locking you into something rigid. This is a living strategy that evolves as you do.
Guarantees exist within the insurance product itself — that's between you and the carrier. What we guarantee is honest advice based on 13 years of watching what actually protects wealth. We're not salespeople pushing products. We're strategists building structures that hold. Your coverage details, terms, and guarantees? All spelled out crystal clear in your policy documents.
Super simple. Call us at +40 612 977 571. Email [email protected]. Or swing by our office at Strada Lipscani 16, Galați. Most people call first or fire off an email. We respond the same day, usually within hours. Don't overthink this. Reach out however's easiest for you.
Both work. Initial planning? We can do it entirely remotely. Phone call, Zoom, email back-and-forth. But some folks prefer sitting down face-to-face to really dig into the details. We accommodate both. If you're in Galați or nearby, office visits are straightforward. If you're not, we've got the remote thing down to a science.