Protecting those you leave behind may include having life insurance in place to provide financial security for those you love. Making a decision to purchase life insurance is not as simple as deciding on term versus permanent insurance. For example, parents with young children can purchase a joint policy which shares the risk across both parents and only pays out when the first parent passes. Alternatively, joint policies can be purchased for estate planning purposes where the insurance only pays out when the second parent passes.
Term insurance can be purchased with an option to convert to other insurance products which may be important should you become uninsurable after your initial policy is issued. Business owners may purchase key person insurance to protect their business. We work with you to understand your objectives for obtaining coverage and educate you on the different life insurance products that are available to meet your needs. As independent brokers, we will align you with the product and coverage that best meets your needs