Life Insurance

  • Will there be an income gap for your family if there is an unexpected death?

  • Do you have life insurance? 

  • If you have life insurance, is it the right policy? 

  • Do you know how much life insurance you need? 

  • Do you know the key factors of how to select the best insurance? 

  • Do you review your life insurance policy annually?


Things to consider

Life insurance is an important part of your financial plan to help manage risk. For the insurance we do need, we want to pay as little as possible for it. Life insurance should be viewed as an expense, not an investment. Because of that, we see term insurance as the best choice for the majority of our clients, offering the most coverage and flexibility at some of the lowest costs.

 


What you need to know

Ways to help reduce life insurance costs:

  1. Buy sooner rather than later
  2. Quit smoking
  3. Adopt a healthy lifestyle
  4. Use an agent to shop for the best deal that meets your needs

Who is term insurance good for?

  1. People in their family-formation years
  2. People looking for inexpensive life insurance for a set number of years

Reasons people own life insurance:

  1. To help replace lost income if a wage earner is suddenly gone
  2. Covering burial and other financial expenses
  3. Help pay off mortgage and other debt

What it means

For example

A 40-year-old male non-smoker in otherwise good health can purchase a million-dollar 10-year term life insurance policy for less than $28 per month.*

Review your policy annually with one of our insurance professionals. Work with your advisor to complete the coverage estimator above to determine if you need additional life insurance.

Contact an Advisor >>


* This hypothetical rate is for a 40-year-old male in great health and with a preferred rating. Rates are determined by factors such as tobacco use, health, family medical history and lifestyle. Your actual premium will be determined by underwriting review. Rates may vary by state.

1. LIMRA — “Facts from LIMRA, Life Insurance Awareness Month, September 2015

2. LIMRA — 2015 Insurance Barometer Study

Term Life Insurance products offered through TMFS Insurance Agency, LLC, a separate company, affiliated with Financial Engines Advisors L.L.C (FEA), in states where licensed. TMFS Insurance Agency, LLC is under common ownership with FEA. Each entity is its own separate entity that provides services for its client independent from the other.

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