Life Insurance & Annuities

Do you need Life Insurance?
It depends on your situation. Several key questions follow below to help give you an idea of signals pointing to "yes".

1. Are you married?
2. Own a business?
3. Dependent children?
4. Other dependent relatives? (seniors, disabled)
5. You possess a formidable estate?
6. Currently have major financial obligations? (mortgage, multiple loans)

A good life insurance policy would handle the financial responsibilities you left behind so family members wouldn't be burdened. Unlike the funds from an estate, the benefits from a life insurance policy will shoot straight to the beneficiaries, without any roadblocks.

Your death benefit will help your dependents maintain their standards of living, repay debt, and fund education tuition costs. In addition to providing death benefits to your heirs, you can design your life insurance policy to help preserve your wealth, create retirement income, provide future support for organizations that are important to you, and more.

Why Might I Want An Annuity?

Buying an annuity policy is ideal for people who are planning for their golden age retirement or for people who have received an inheritance. An annuity policy may provide you a guaranteed monthly income for life. You may want an annuity for any of the following reasons:

If you are looking for higher rates, higher than those offered by CD's.

• Do you want an investment whose value you won't have to worry about?
• Do you want to maximize the income on your investment without risking your principal?
• Do you want the safety provided by strong sound financial institutions?

If you want a systematic savings plan.

• Do you need to provide a lifetime income for a loved one?
• If you desire investments not subject to probate expenses and delays that are paid directly to your beneficiary upon your death.
• Do you want an income, you can't outlive, regardless of how long you live?

If any of these sound good to you, then an annuity could be just the financial planning tool you've been searching for.

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