Financial professional offers life insurance consultations
Many people seeking a financial services professional are focused on investing or retirement planning. Depending on your needs, these may be pieces of your portfolio. By meeting with a financial representative, however, you can gain a partner to review your entire financial plan – including evaluating your need for life insurance, which serves as a solid foundation.
As a financial adviser in the East Bay area, I help people and businesses by providing insight to help them reach their goals. I’m from this area, so I love helping people here live life to the fullest and achieve financial goals. I can help you plan using life insurance as well as various investment and advisory products.
Life insurance plays an important role in your overall financial portfolio. This article provides basic insight on benefits and options, but each person’s needs are different. Please contact me for help crafting a financial plan that fits your unique circumstances.
Affordable protection
Life insurance provides numerous financial benefits. The biggest benefit is peace of mind from knowing your loved ones will be protected if you’re in an accident, get sick or die too soon. They’ll have immediate cash to pay for funeral costs, final expenses and other debts.
Many people think they can’t afford life insurance. However, the cost is less than they think – especially for term life insurance. Term life insurance can be an affordable way to get the protection you need to keep your family, your business, and your hopes and dreams alive. With term life insurance, your beneficiaries receive income-tax free money if you die during the term period – without the delays and expense of probate.
Cash accumulation
Many people often don’t view life insurance as a way to increase their net worth. However, there are different types of policies with potential growth and tax advantages.
Whole life insurance helps protect your loved ones, providing tax-free money when you die, not just if you die during a specified time. You can get peace of mind, knowing that your family is protected, and you can take advantage of cash value and other living benefits to help you plan ahead – no matter what life brings.
Flexibility
Life insurance plans offer a range of options. One type of permanent protection, universal life insurance, even allows you to adjust the timing and amount of your premiums and adjust the death benefit (within certain limits) as your needs change, all within one plan of insurance.
A financial adviser can help you navigate the different coverage options, considering your preferences and budget. To learn more about life insurance as part of your overall financial portfolio or to begin the planning process, visit my website or call me today!
Universal life plans provide life insurance coverage provided sufficient premiums are paid. The duration of coverage will depend upon the amount, timing, and frequency of premium payments, interest credited, monthly deductions, and any loans or withdrawals. The premiums paid may need to be increased to keep these certificates in force.
* Securities and advisory services offered through MWA Financial Services, Inc., a wholly owned subsidiary of Modern Woodmen of America. Member: FINRA, SIPC.
