Life Insurance

Life Insurance

Life insurance is a unique asset that is a valuable addition to your overall estate due to its potentially high yield and tax favored benefits.

Whether you are married or single, young or not so young there will, perhaps, always be a need for some amount of Life Insurance. Either to insure your future insurability or to provide for a loss of household income in the event of the bread winners death. Other vital needs that life insurance can satisfy are mortgage cancellation, education fund, income during the "blackout period," minimizes estate shrinkage, and final expenses.

The rule of thumb is that a breadwinner with dependents should have at least fifteen (15) times their annual income in total life insurance owned.

Disability Insurance

Often times the need for Disability Insurance is over looked until a need for income arises as a result of sickness or injury. Your ability to earn an income is one of your most valuable human assets. In addition to personal savings and other assets, the bread winner(s) should owner disability coverage that will provide up to sixty percent (60%) of their monthly income in the event of total disability.

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