Life Insurance and LTC Planning Specialist
Sofia Malachowsky is a seasoned financial services professional with more than 35 years of experience in life insurance, advanced insurance planning, and client-focused financial strategies. Her background includes life insurance, estate and legacy planning, high-net-worth case design, underwriting solutions, and long-term care planning.
Sofia first began working with long-term care insurance more than 25 years ago and understands the important role long-term care and chronic illness planning can play in helping protect families, retirement assets, and long-term financial security. She has helped many clients address these risks through Life Insurance with Long-Term Care riders, Life Insurance with Chronic Illness riders, and other planning strategies designed to provide greater flexibility and protection.
Throughout her career, Sofia has earned a reputation for thoughtful guidance, integrity, and the ability to explain complex insurance concepts in a clear and practical way. She has held leadership roles at Midland National, Lincoln Financial Distributors, Crump, and John Hancock, where she developed strong advisor and producer relationships and supported advanced insurance planning initiatives.
Sofia is appointed with nationally recognized insurance companies, including Securian, Nationwide, National Guardian Life, and OneAmerica. Her experience allows her to help clients evaluate different planning approaches and make informed decisions with confidence.
She holds the Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) designations and is currently pursuing her Master of Science in Financial Planning from The American College of Financial Services.
ACACIA Insurance Reviews
35+ Years of Experience Professional Designations
Chartered Financial Consultant Designation
Chartered Life Underwriter Designation