Why do I need it?
You don’t if you’re independently wealthy, have no debt, no young kids and have enough assets to take care of your loose ends when you cross over.
OK, what if I do?
You have a few choices. Everyone is different and has different needs at different stages of their life. I can help guide you to what may be best for you!
What are my Choices
- TERM LIFE – Great for when you have a family to protect, young kids, mortgage, bills and student debt. These circumstances will not last forever and neither should your Life policy
- PERMANENT LIFE – Just what the name implies. Lasts until it is needed. Younger people like it for building cash equity and older folks for covering end-of-life expenses.
- TERM to PERM – Gives you a larger amount of Term Life for a number of years then turns into a smaller permanent policy. Great when you have kids, debt etc…