Life Insurance

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:

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

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

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

  • 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.

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.

If you would like to discuss your existing policy, or if you are interested in applying for new life insurance, please refer to the “Contact Us” section of our website. We welcome the opportunity to sit down with you to discuss your life insurance needs.

Investment Advisory Services offered through Claraphi Advisory Network, LLC

Life, Health, and Annuity licensed in FL, AL, MS, GA, SC, NC, and MD

Medicare Rx / Doctor Form

References made, and discussions of various investment solutions or offerings are for informational purposes only. Such investments may not be suitable or appropriate for all investors. Individual investment strategies and solutions will be based on individual discussions with your advisory representative.

 

Financial and Insurance Services maintains a principal place of business in the State of Florida. Advisors for Financial and Insurance Services may transact business only in States in which they are registered, or in which they are excluded or exempted from registration. The Advisors for Financial and Insurance Services must also be registered or exempted or excluded from registration in any state in which they follow up on individualized responses to persons in that State that involve either the effecting or the attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation.

 

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The information in this website is based on data gathered from what we believe to be reliable sources. Information throughout this site, whether stock quotes or any other statement or statements regarding market or other financial information is not guaranteed for timeliness or accuracy and is not intended as the primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor. The identification of specific securities and model portfolios is made on the assumption that the investor would participate in the investment or portfolio on a long-term basis and only after consulting with their investment advisory representative to determine their individual needs, financial position, and tolerance for risk among other things. With respect to any such identification, there can be no assurance that fund or model portfolio will in fact perform in the manner suggested. All references that might be made to an investment or portfolio’s performance are based on historical data and one should not assume that this performance will continue in the future. Past performance is not indicative of future results. In some cases, our recommendations may include commission based insurance products. Such products will only be offered through an appropriately registered insurance broker. Claraphi Advisory Network does not offer insurance products.

 

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Our website may contain previous newsletters or articles where specific information may be dated and may no longer reflect the views, opinions and recommendations of Financial & Insurance Services. No client or prospective client should assume that any such discussion serves as a substitute for, or in place of, personalized advice from Financial & Insurance Services.

 

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Any videos provided by Financial & Insurance Services  are for informational purposes only. Investing involves the risk of loss and investors should be prepared to bear potential losses. No portion of videos presented is to be construed as a solicitation to buy or sell a security or the provision of personalized investment, tax or legal advice. Certain information contained in this presentation is derived from sources that Financial & Insurance Services believes to be reliable; however, the Firm does not guarantee the accuracy or timeliness of such information and assumes no liability for any resulting damages.

 

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