What type of Life Insurance is right for you? It could be term life, which is good for a period time, generally limited to a maximum of 20 or 30 years or a "permanent" policy that will last the rest of your life. And what amount of coverage do you need? That depends on your financial objective and obligations as well as savings and survivor's needs.
There is no "best product" to recommend without some basic understanding of your needs. We can provide you with some easy to use needs analysis worksheets to help you determine the correct range of coverage and then help you find the right carrier.
We have written policies for individuals and families needing:
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Purpose Driven Life Insurance (pdf)
DownloadCouples share a life together, but you also share each other’s financial obligations.
What if one of you unexpectedly passes away? Would the survivor have enough money to pay for your final expenses, eliminate debts such as credit card balances and car loans, and buy some time to be able to adjust to a new way of life and support the family you may have together?
Life insurance can help ensure that these financial goals are met if tragedy strikes.
Few things in life are more exciting than purchasing a new home. But mortgage payments, often over the span of 30 years, can be daunting, so make sure you’ve thought ahead. If the worst were to happen, could your spouse or partner manage the mortgage payments without you? What about monthly maintenance, utilities, unforeseen repairs and property taxes? How long before your dream house is back up for sale if you don't have life insurance?
Having adequate life insurance coverage can help keep your family in the home they love.
You have big plans for your kids and want to see them realize their hopes and dreams. It’s hard enough to make that happen but what if you or your spouse, or both of you, were suddenly out of the picture?
From diapers to diplomas, would there be enough income to pay for day care, a college education, and everything in between?
Your children are your greatest responsibility, and life insurance can help them grow up in an environment where they’re physically and financially secure should something happen to you.
While many of our clients take advantage of the "cheap" premiums on term life insurance, many also add a policy that will last as long as they do.
While face amounts have varied, some for as little as $5,000 all the way to over $1,000,000, having life insurance pay off when passing away is the only way to know that your final expenses won't be a burden to those you leave behind.
Many times we help our younger clients with this type of policy for their parents.
Having money to pay for college is often a topic we are asked about and of course there are a variety of options out there from 529 plans to over funding life insurance and each may work as advertised.
Our dedicated College Plan guarantees the amount of money you choose to have when your child, children or even grandchildren are projected to start college.
Funding this policy can be done on a lump sum basis, short pay or monthly ongoing premium basis. We will work with you to determine which best fits your budget.
Life insurance can be used to maximize a financial gift to your favorite charity, religious organization or school and can be done with a one premium or paid over time.
Life insurance can also be used to fund a trust that you can establish to provide for your children, grand children and generations beyond.
Leaving a charitable gift or establishing a financial legacy is an easy way to be sure that you are remembered.
While these forms will vary by carrier, we find them very useful when helping clients consider needs and amounts of coverage.