We understand that life insurance can be a very delicate and confusing subject. Yet it's no secret that if the primary income earners in your family were to die prematurely, the surviving family members might face financial difficulty. Without the primary earner's income, how will they deal with ongoing living expenses, debts, or tuition costs? Combined with investments, retirement and estate planning, life insurance is a fundamental part of a sound financial plan. With the help of insurance professionals you can develop a complete plan that will fully protect you and your family.
Despite the importance of this type of coverage, we have found that many of our clients were not given the opportunity to thoroughly evaluate their life insurance needs by the companies they had previously dealt with. As a result, they were over-insured, underinsured, or had the wrong kind of insurance. To assist us in properly meeting your life insurance needs, we have developed a unique assessment tool that generates a 'snapshot' of your insurance and financial needs and compares them against plans you currently have in place.
Two key factors we consider when we do this analysis are the amount and type of life insurance your family needs. The appropriate amount is obviously an individual matter. Below are links to brief descriptions of the main types of life insurance we carry; this information will help you make the right choice when you meet with one of our customer service representatives.
The products we offer may be used as mortgage insurance or for estate planning, including funding of capital gains tax liabilities. Call our life insurance specialists at Apple Insurance today for a free consultation.