TUESDAY, JUNE 29, 2021
Life Insurance- Who even needs it? Do you understand what you currently have? Have you kept up with the potentially lower costs you might be able to pay for your coverage?
Life insurance is rarely a topic people jump up in the morning wanting to discuss. It brings us face to face with our mortality and the fact that some day we will each breath our last breath. What a jovial thought.
There are stories of the life insurance salesperson whose life’s purpose seemed to be to make you feel badly about your uncaring mindset when it came to the care of your family in case of your demise. “You needed more and more insurance”. On behalf of the industry, I apologize for those people and for the way it created an “I don’t think so” feeling for you.
Life insurance has changed dramatically over the years. In many cases your costs may have decreased, and the flexibility provided has been greatly enhanced. Many who could never get insurance before can now find coverages to meet their specific needs. The options available for individuals, families and business partners have made it a financial planning tool to assure your family can benefit significantly while you are alive, as well as provide should you pass away. In addition to potentially lower term insurance costs, structures such as an Estate Bond can allow tax free growth on your investment dollars and greatly enhance your current and future net income options with the potential to decrease your overall annual tax bill. Your current income, debts, taxes, educational costs, income replacement, charitable giving and family can all be provided for in case you passed away, while at the same time saving you some very real dollars.
Is your protection up to date? Is it doing what you want it to? Are you paying too much? Do you even need it? We would welcome the opportunity to explore the financial landscape with you in building your financial blueprint for life.
Call us today to review YOUR plan - 306-684-1934
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It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
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