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Individual Life Insurance

Life insurance is a product that helps individuals, families and businesses to financially prepare and protect against the unexpected loss of a spouse, partner, parent or key employee.

Reasons individuals consider purchasing life insurance:

  • Family Protection
  • Final Expenses
  • Emergency Fund
  • Education
  • Mortgage Protection
  • Retirement Planning

Reasons businesses consider life insurance and disability income protection:

  • Replacement of lost annual income
  • Education savings provision
  • Inflation protection for surviving family members
  • Mortgage protection
  • Special needs of surviving family members
  • Purpose of the insurance

Factors that contribute to the cost:

  • Amount of insurance desired (how is that determined?)
  • Permanent or term?
  • Date of Birth
  • Smoker vs. non-smoker?
  • Height and Weight?
  • Personal and family history
  • Are you taking any medications?
  • Any risky or adventurous avocations? (scuba diving, private pilot, etc.)