Life Insurance

When meeting with clients to design financial plans, the subject of life insurance inevitably arises. We begin by looking at your family as an economic unit. The loss of one or both of you can have a significant impact on your family’s style of living, ability to meet educational costs and retirement plans. With all the planning we do, one priority is to manage the risk of not achieving our goals.

Life insurance is no more than sound risk management.
Some people have the impression it is meant to be a windfall to surviving members. I believe nothing could be further from the truth. Rather, it should be viewed as an income replacement strategy and secondly as a vehicle to cover any unexpected expenses and transition costs at death. Death is difficult to contemplate but it must be considered and discussed in order to quantify your needs and to determine the coverage required.