Losing a family member at any time is particularly devastating. There is nothing that can reduce the emotional impact of such a huge loss. We can, however, help the survivors with the resulting financial hardships.
The purpose of life insurance is to provide a measure of financial security for your family after your death. Before purchasing any life coverage you should consider your financial situation and the standard of living you want to maintain for your family.
Income replacement, mortgage and debt repayment, final expenses, education funds and leaving a legacy for your loved ones are some of the items we discuss when creating your estate plan.
For most families, life insurance needs change over time, this is why there are a variety of life coverage products available, we can review these together.
Disclaimer: Shawn Johnson holds an individual life license and is an independent distributor of life insurance products.