This is Part 3 of 3 in this series…

Life insurance is to protect your loved ones from expenses associated with your loss.  There is a calculated way to determine what type of coverage you should consider and how much you should carry.  This benefit can be used for your final expenses, a gift to your favorite charity, education for your grandchildren or designed to actually “grow” your net worth to be passed on to your loved ones.  Wealth transfer tax-free benefits are widely used to offset taxes on gains that you might realize on other investments, land values, etc.  Life insurance is a safe option and should be considered in your investment portfolio.

Understanding the insurances necessary and estate plan options that are right for you can be a complex undertaking. Sears Insurance has resources to help you identify your estate planning needs, recognize potential solutions, and locate an experienced estate planning attorney to help you at every step of the planning process.