Broker Check

Life Insurance Planning

Questions to Consider

Why is life insurance worth it?

Life insurance is important because it’s a simple answer to a very difficult question: How will my loved ones manage financially if something were to happen to me?


What are the different types of life insurance?

Life insurance generally falls into two categories:

Term life insurance provides protection for a specific period of time (the term), often 10, 20 or 30 years.

Permanent life insurance provides lifelong protection, as long as you pay the premiums.


What is the average cost of life insurance?

The price of life insurance is based on a number of factors, but the most important are age, health and the type of policy. In general, life insurance is cheaper the younger and healthier you are.


Do I need life insurance?

That’s a great question. And the truth is, not everyone does. But ask yourself, “Would someone suffer financially if I died?” If you answered, “Yes,” then chances are you need life insurance.


Please contact our office or make an appointment directly via my Picktime calendar today.

Your Costs

As shown in the previous panel, you can use the calculator on this website to determine your Life Insurance needs.  We are also available for a complementary Life Insurance Analysis or Review.

Obtaining Life Insurance (or an Annuity) falls under Financial Advising (unless it is part of our Retirement Planning services).  For many individuals, a Life insurance policy will not be possible because of medical issues.  For those people, an Annuity will be a viable option as a retirement product.

Our rates for Financial Advising are $180/hr and are capped at 4 hours ($720) for Life Insurance and Annuity planning.

Life Insurance and Annuity planning, like all of our services, are customized (no “cookie-cutter” planning here).  Some individuals have simple and straightforward situations.  Others have complex circumstances that will call for a more detailed analysis and additional planning time.  That is why we charge hourly rates.  However, we also have caps, so that the maximum charges are not open-ended.