Term Life or Whole Life

Often when someone asks me for a life insurance quote it is too late. Life insurance should be a part of your financial planning before you retire or worse  you find yourself uninsurable.

The purpose of life insurance extends far beyond merely providing a payout upon death. It's a proactive measure designed to protect your loved ones from financial hardship in the event of your unexpected passing.

Consider the various expenses your family would face without your income: mortgage payments, daily living expenses, education costs, and outstanding debts.

A well-structured life insurance policy can provide the necessary funds to cover these costs, allowing your family to maintain their standard of living and avoid financial distress during an already difficult time.