Chances Are, You Need Life Insurance

Life insurance is a simple answer to a very difficult question:

How will my family manage financially when I die? It's a subject no one really wants to think about. But if someone depends on you financially, it's one you cannot avoid.

There are many types of life insurance, but for all of them the bottom line is the same: They pay cash to your family after you die, allowing loved ones to remain financially secure. If you’re like most people, your home is your most significant financial asset - life insurance can be used to pay down or retire the mortgage (sparing your family from moving to a less expensive place to live), cover daily living expenses, outstanding loans, college tuition and other essential expenses. And, importantly, the death-benefit proceeds of a life insurance policy are almost never subject to federal income taxes.

If you've worked hard to establish a solid financial framework for your family-investments, home equity, a savings plan, retirement accounts ­ life insurance is the foundation upon which it all rests. It can guard against the need for your loved ones to make drastic changes to future plans when you die. Certain types of life insurance even have a built-in cash-accumulation feature that can help you reach savings goals.

Most people need life insurance, and many who already have it may need to update their coverage. We would be happy to have the conversation with you so that you can understand all of your options, allowing you to make a smart and informed decision.

We are never too busy for you or your referrals!