When asked “do you feel that you need life insurance?” or “why do you feel you need life insurance?” many of our clients have given varying answers over the years.  There is no single correct answer to this question. Each client’s need or purpose for life insurance is individual to their circumstances.  Some of the more common reasons to purchase life insurance are:

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• A surviving spouse uses the life insurance proceeds to pay off the mortgage on the marital home

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• A surviving spouse uses the life insurance proceeds to replace the income of the deceased spouse

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• Providing funds to your family to pay for your final expenses and burial

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• Providing funds to your family in order to cover a specific risk or need and/or to create a legacy for them to use as they choose.

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Life insurance can be a very important component of an overall financial plan.  If you would like to discuss your possible need for life insurance or if you already own life insurance and would like a no-charge In-Force Life Insurance Audit, please refer to the “Contact Us” section of our website.  We welcome the opportunity to sit down with you to discuss your financial planning needs.

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