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Life Insurance

What is the purpose of life insurance?

It is to provide financial protection to surviving dependents after the death of an insured.

How does one determine what amount and type of insurance is needed?

Applicants need to understand and analyze their financial situation either by themselves or with the help of an advisor.
They also need to determine the standard of living / education/ other needs for the beneficiaries

What types of life insurance are available?

Basically there are two types of insurance

1.Term insurance plans

for needs that might be temporary ..
For example covering a mortgage and educational needs for children
This covers short term needs

2.Permanent insurance plans

A coverage that would be considered for longer term or lifetime needs
For example covering funeral costs ,tax liabilities as a result of death and investments( registered and non registered, probate , executor fees
Debt repayment…

When is a good time to buy or evaluate one’s insurance needs?

Death does not differentiate between young, old, sick or healthy..
The appointed time is unknown.

The control you have at every stage of your life or your loved ones life is to take a step to protect the family or what / who matters to you.
So .. do it! As soon as you possible.

It is prudent to re-evaluate life insurance needs annually, or after significant changes if life circumstances like marriage, the birth oof a child and major purchases, like a house …change in life circumstances like divorce.

Dust off your old policies and make sure you have the right coverage for the right reason at the right time.

Call for a consultation .. it’s worth the time..the present is what we have..let’s use it for what is important


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