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Life Insurance What is Life Insurance?Life insurance is a contract with an insurance company that promises a fixed amount of money for your beneficiaries and/or estate upon your death. There are many factors to consider when choosing a policy...age, sex, health condition, smoking status and the amount of premium you can afford. These are the types of details we will discuss so that the right policy can be selected by you. Why You Need It Life insurance will give you the peace of mind that comes from knowing that if something should happen to you, your loved ones won't be left with a legacy of debt, final taxes or other money worries. Certain life events might cause you to re-evaluate your financial goals and consider the protection life insurance can provide. Milestones include getting married, buying a home, having children or planning for your retirement. With an appropriate plan, life insurance can help you meet your goals in life and protect your family when you no longer can. Certain business situations call for life insurance. If you are an entrepreneur or just starting a business you will need to protect your enterprise and any partners. A uniquely tailored insurance solution can also provide the money necessary to enable your fellow shareholders or partners to buy you out when you are ready to retire. Getting the Right Policy Selecting the right policy can be a confusing process. We help you sort through your options. As independent brokers our expertise helps you choose the products and company that best meet your needs. Some questions to ask yourself: Will the policy meet my current needs? Will the policy provide the flexibility to meet my future needs? What does the policy cost--both current and expected lifetime costs? Is the provider established and financially strong? Will the company back its guarantees? As independent advisors we offer a wide variety of life insurance categories for you to choose from, including term, whole life, permanent insurance, and universal life insurance. All will be tailored to meet your financial needs. Please contact us today for your no-obligation consultation. We look forward to helping you and your family. "It was a pleasure working with Mark. He was extremely professional and had a definite interest in the well being of my family, and protecting us against unforeseen harm. Mark took the time to work wit... " Read more Grant Cansfield Partner Aird and Berlis LLP "I am always delighted when I can recommend Mark to clients and friends. His integrity and deeply held values for serving means he goes beyond meeting client expectations. Mark takes the time to discov... " Read more Wauneen McMonagle Innergize Training Coaching Consulting www.Innergizetraining.com "In my dealings with Mark Halpern over the last 12 years, I have found him to be exceptionally ethical, reliable and client-centered. He has expert knowledge and experience in the insurance industry an... " Read more Daniel Sacke B.COMM CFP CSA Vice President BMO Nesbitt Burns Inc. www.thesackegroup.com | |||
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