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Life Insurance Planning

If you are thinking about your life insurance coverage you might want to consider the following:

Choose the kind of policy that has benefits that most closely fit your needs

Be sure that you can handle premium payments

Don't buy life insurance unless you intend to stick with your plan. It may be very costly if you quit during the early years of the policy

Don't drop one policy to buy another without a thorough study of the new policy and the one you have now. Replacing your insurance may be costly Review your life insurance program with your consultant every few years to keep up with changes in your income and needs

Can you answer these questions?

  • How much of the family income do I provide?
  • If I were to die early, how would my survivors, especially my children get by?
  • Does anyone else depend on me financially?
  • Do I have children for whom I'd like to set aside money to finish their education in the event of my death?
  • How will my family pay my final expenses and repay debts after my death?
  • Do I have family members or organizations to which I would like to leave money?
  • Will there be estate taxes to pay after my death?
  • How will inflation affect my needs?

What is the Right Kind of Life Insurance?

There are many types of health insurance available depending on your individual circumstances.  They include:

  • Term Insurance
  • Variable Universal
  • Universal Life
  • Whole Life

Definitions of each of these are listed in the Glossary Section of this website.  Ask for a quote on this website as well.

Please call or email with questions.



Call today!