Wednesday, December 17, 2014

Shhhh... life insurance

Nobody likes to talk about it, and the stereotypical image of the life insurance agent standing all alone at cocktail parties and other gatherings is well established. That being said, no other financial product can do as much for you and your family as life insurance, and at a time when you (or they) need it the most. You see, upon the death of the person insured, life insurance creates an immediate estate . . . an immediate source of money.

However the buying process is much more involved than to just "go out and get some." In spite what some of the big, faceless advertisers would have you believe, life insurance is far from being a one-size-fits-all type of purchase. There are very different needs for life insurance, depending on your particular circumstances and stage in your life cycle.

Term or Perm?

This is the age old question when it comes to buying life insurance. Is it better to buy Term insurance, or some form of permanent coverage, such as Whole Life, Variable Life, or Universal Life? Answer: It all depends. But the good news for you is that we have several fine companies to choose from who have excellent and very competitive policies in either or both categories. And we will be happy to sit down with you at your convenience to assess your needs and match them up to a policy that is right for you. Call us today – 800-482-6426.