Everybody talks about accumulation, but easing the burden of the unthinkable premature death of a family member, especially a breadwinner, is also critical to provide financial security. Having debts paid off, including the mortgage, college money in the bank for children, and the comfort of knowing there will be enough income for the survivors provides real peace of mind and is an integral part of a comprehensive plan.
We start with a life insurance needs analysis. Then, we review your current life insurance policies to determine whether there are any gaps or insufficient coverage. If there is, we’ll provide recommendations and help you implement them. Life insurance premiums have decreased in recent years and now come with catastrophic medical coverage, something not offered in the past.