Life Insurance

​Life insurance can help your loved ones deal with the financial impact of your death. The death benefit paid from a life insurance policy is a tax-free, lump-sum amount that can be used to pay of anything your family needs; like paying off debits, household expenses, funeral cost, college tuition or a much needed vacation. 

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​Who needs Life Insurance?

• Breadwinner – Life insurance can provide income replacement so that your family can continue to pay everyday expenses.

• Divorced Parent – A policy could cover the support payments that a divorced parent makes.

• Stay at Home Parent  - Life insurance would cover the cost of paying for services the parent does for “free” such as child care.

• Parent of a Special-Needs Child  - Life insurance can make sure the child will have financial support no matter when a parent dies.

• Someone with Co-signed Debts, Student Loans, Credit Card Debts – Life insurance could cover the cost of the debt.

• Homeowners with a Mortgage – The life insurance payout would cover the cost of your mortgage so your family can remain in their home.

• People Concerned about paying for their own Funeral Expenses –Life insurance policies can pay for your funeral and final expenses.

• Someone who wants to provide an Inheritance – Life insurance can provide an inheritance to your heir.

• Business Owners – Life insurance can pay off business debts, help heirs pay off estate taxes or it can fund a buy-sell agreement that allows a business partner to buy out your shares.

• High Net Worth Individuals – Life insurance can provide funds for heirs to pay estate or inheritance taxes.

• Investor who has maxed out other Retirement Plans – Life insurance with a cash value component can provide a supplemental source of retirement income. 

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As you can see many of us need life insurance.  I’d be happy to answer any questions you may have.  Please book an appointment with me.