Life Insurance is primarily designed to provide income replacement to beneficiaries when a person dies.

But did you know Life Insurance can also help you achieve your goals in estate planning, cash accumulation, wealth transfer and estate tax liquidity? It can be a Gift of Love for those you leave behind. Click to find out how.

                               

Over 2,000 companies are now offering Life Insurance policies.  It is very important to understand the companies behind the products as well as to understand the products themselves.

Insure.com carries company ratings from Standard & Poor plus Duff & Phelps to help your agent monitor the financial strength of each insurance carrier.

How much Life Insurance do you need? That's a good question, because the amount, type and term can vary dramatically from person to person.  A Life Insurance Calculator can be a useful place to start.  And of course we'd be happy to help you assess your needs.

It is especially important that your agent places your insurance policy with a solvent company. When a claim is made in the future, it's essential the company will be able to pay it.

Dealing with the many types of polices, wading through the dense jargon, all while you are confronting your own mortality - buying life insurance is the perfect storm of unpleasant financial planning chores.       

 

Does the thought of Life Insurance make you feel uncomfortable? There's no need to be nervous. The Doctor is here to help you resolve your life insurance dilemmas.