LIFE INSURANCE PLANNING

Life insurance is often overlooked in retirement.

Life insurance can help you achieve your goals

  • Life insurance can give you and your spouse peace of mind. Knowing that upon your passing your spouse will receive a tax free death-benefit, to pay off any debts, or to use those proceeds to secure an income stream of money for the rest of her life.
     
  • Life insurance policies have additional riders that can be added, such as a no-lapse guarantee rider. This will ensure your policies death benefit will be there when they need these benefits. The no-lapse guarantee assures that your policy will not lapse as long as the minimum premium is paid, even if your cash value is insufficient to cover current charges.
     
  • Life insurance can also provide cash advances of policy death benefits for terminal illness and long term care confinement to a nursing home.