Term life insurance is flexible coverage that offers your loved one’s financial protection at the time in your life when you need it the most.
When you have a young family or you are just starting out in your career.
Term policies are usually low-cost coverage and during the “term” your insurance premiums will remain constant.
If anything happens to you during the term, then a tax free lump sum payment is made to your beneficiary.
Term life insurance is straightforward and easy to understand, it can be converted in the future to a whole life or universal policy as your financial situation changes.
Owning life insurance has nothing to do with believing in a product.
It has to do with loving someone.
If you love someone enough, then you may consider carrying life insurance to financially protect them in your absence.
What is Life Insurance? How Does Life Insurance work?
Life insurance is a legal contract between a policy holder and an insurance company. The agreement stipulates that the insurance company will pay a sum of money (aka benefits) to a designated beneficiary upon the policy holder’s death.
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Financial
Planning
You may have a plan for your money, how much you want to earn and how much you want to save.
But do you have a plan for your life? What will you do with the money you earn? Read More
Consider this:
If your life turned out to be everything you wished for, what would it look like?
Where will you live?
Where will you work?
How much money would you have, or need?
What do you want your money to achieve for you?
What relationships will you cherish?
What about your health?
What will give you the greatest sense of purpose?
What will you do for fun?
What new skill will you learn?
How will you get involved in your community?
Why financial planning?
Financial planning allows us to sit down and draw out a roadmap towards financial success. It allows us to take inventory of where you are now and see what you need to do to be ready for the future.
Now ask yourself: Are you living your dream life? Do you feel like your life is a grand adventure? Does your money support the goals you have for your life?
Your life has everything to do with you and what resonates with you; it’s about your dreams.
It’s about allocating your money – and your time – on things that are important to you.
Your journey is an individual one, with twists and turns, ups and downs, but most of all, it should also be filled with things that make you happy.
Your money should be structured in such a way as to enable the life you envision for yourself.