In addition to all of the other challenges that we are subjected to with our health, accidents, etc, life insurance can wear many hate. Life insurance can be for individuals, young families, established families, empty-nesters/retirees, or businesses.

So, you think to yourself, “Why is this something I need to spend money on?” This is not for you; this is for the people you love. As an example: Let’s say that my final expenses have been taken care of, however, I have children, indebtedness, a spouse, and what I would wish for those that I leave behind, is the ability to maintain the lifestyle that we’ve enjoyed together, or at least be able to make a comfortable transition into whatever that next step in life could be.

For those that are empty-nesters/retirees, who may have met all of their financial obligations, life insurance can be a wonderful estate planning tool and can be used to offset the costs associated with closing an estate. It can be used to build the estate, to pass on greater wealth/opportunities for those we love. An example that comes to mind is college education for grandchildren.

If I am a business owner, this would be a wonderful thing for my spouse, my children or any business partners to have as part of my business plan. So, whether your needs include term insurance, whole life or maybe a variable product, please know that life insurance is something that we all should have. Let us help you determine your needs and make some suggestions to put you in the right position going forward.