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Are your life insurance policies up to date?
Your life insurance is one of your most valuable assets. From a personal perspective it can:
- Help take care of your loved ones’ needs when you are no longer here
- Pay for the education of your children or grandchildren
- Pay off your mortgage and other debts
- Leave a legacy
- Protect your business
- Supplement your retirement income
- Offer emergency cash
- From a business perspective it can attract and retain key employees
Like any other asset, it is important to periodically monitor whether your life insurance continues to meet your needs. Life continually changes – marriage, divorce, death, children are born and grow up, with moves and job changes along the way. Lifestyles change and health changes. Financial situations change and goals change.
During our policy review we will look at:
- The amount of life insurance coverage. Do you have the right amount of coverage to meet your current needs?
- The reason for the coverage. Is the need short-term or permanent? Is there a need for cash value in addition to the proceeds?
- The right type of life insurance product. We’ll look at which financial product provides an appropriate way to address your needs.
- Ownership and Beneficiary arrangements. Are the ownership and beneficiary arrangements updated and suitable?
- Health status. Has there been a change in health since the policy was issued?
- Competitive. Is the policy competitive and cost effective compared to other policies currently available?
- Carrier financial status. Has there been a change in the financial strength and stability of the existing carrier?
It’s our goal to help ensure your policies are on track and continuing to meet your changing situation and will be there for you when you need them the most.
Take the first step today. Click on the PERIODIC REVIEW SURVEY, found under Client Resources on this page, complete the survey, and we’ll contact you to schedule an appointment.
PPG 49100 (4/09) |
Fran Cassidy, CLU, ChFC |
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 Client Resources
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Retirement Plan Early Distribution Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan. How much can you afford to pay for a car? Determine whether you should consider refinancing your mortgage. How much life insurance would you need to produce a sufficient income stream for your family? July 04, 2009 @ 07:41 AM
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