Life Insurance
In my opinion there are only TWO reasons to buy life insurance
1. Income Replacement - someone is depending on your income to survive or
2. Estate Preservation - Will you give the tax man half of your estate or would you rather pass it onto your heirs tax free?
5, 10 20 and 30 year term life insurance is when the amount of insurance and the annual premium stay the same for the the number of years purchased.
Universal Life Insurance is a term to 100 policy with cash values and the cash inside the policy can grow tax free
and is paid tax free to your beneficiaries.
Mortgage & Debt Insurance • Disability and Critical Illness Insurance
Long Term Care Insurance • Segregated Funds • Group Benefits
Find out which insurance is right for you.
Whether you have coverage through work or not, will it be enough?
Or do you have too much?
Will you give the tax man half of your estate or would you rather pass it on to your heir's tax free?
