LIFE ISURANCE


A must-have for your financial plan

No matter what kind of life insurance you choose, there’s no substitute for the peace of mind it can provide. Life insurance is one of the ways you can protect your family’s financial security should something happen to you. Talk to your financial professional/licensed insurance agent about your long-term needs, and he or she can help you determine:

 - Which type of insurance is right for you?
 - How much protection you and your family need?
 - How to make the most of your premium dollars?

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Life Insurance: a multi-purpose financial tool


Insurance plays a vital role in your wealth management and succession-planning strategy and life insurance is designed primarily to protect your family’s financial security after you die.  But your needs change and some types of insurance can offer you access to assets to meet needs during your lifetime.  So it’s a smart addition to any financial plan - because it can serve different functions within your overall investment strategy.

Life Insurance for Your Family 

 

Life insurance is a smart addition to your financial plan because it can serve different functions within your overall investment strategy.  It is also designed primarily to protect your family’s financial security after you die.

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Security for your family should something happen to you


Life insurance can help:

 - Pay debts and taxes after your death
 - Allow your family to maintain its standard of living 
 - Support your dependents’ goals and dreams 
 - Provide immediate access to cash

Should your need for a death benefit decrease, certain types of life insurance

may serve to provide funds for other needs.  Please discuss these options with

your financial professional.





















How much life insurance do you need?

One very simple way to get a rough estimate may be to base the amount of insurance on your current, after-tax income (since life insurance is generally paid out tax free).  Multiply that by the number of years your beneficiaries will need the income. Remember to make an allowance for inflation. 

But there is no substitute for a careful evaluation and review of your life insurance needs with your financial advisor.  If you aren't yet working with a financial professional, we can have someone contact you.