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Protect Your Family and Future with Tailored Coverage
Life insurance delivers a critical, tax-efficient benefit to your loved ones—whether it's replacing income, paying off debts, funding education, or securing your business legacy. At Advisors, we bring continuity and deep understanding of your household—your assets, liabilities, values, and goals—to help you choose the right term or permanent solution, while your family has one trusted place to turn if the unexpected occurs.
How Much Life Insurance Do You Actually Need?
A solid starting point is to multiply your annual income by 10–15. Then refine this amount to account for existing debts (like mortgages or loans), your current savings, and your family’s future needs. Think of it as a smart strategy aligned with how we size other layers—like umbrella coverage: assess what’s at risk and what your goals require.
Mandatory Coverages
The core topics needed to stay secure and financially protected when the unexpected happens.
Coverage that protects beneficiaries by replacing lost income.
Death benefits that can be directed toward debts, education, or business needs
Policy options available in both term (temporary) and permanent (lifelong) structures.
Optional Considerations
Flexible protections you can add to match your lifestyle and specific needs.
Riders that add features like accelerated death benefits or waiver of premium.
Using permanent policies as part of estate or tax strategy.
Structuring ownership and beneficiaries for business purposes.
You’ve got questions, we’ve got answers. For any additional questions you may have beyond these, schedule a chat with our team.
Start with 10–15× your annual income, then adjust for debts, savings, and dependents to refine your number.
Term covers you during defined need periods—great for mortgage or child-raising years. Permanent offers lifetime coverage and builds cash value over time.
Yes. Life insurance can fund buy-sell agreements or protect against key-person loss—ask about structuring ownership and beneficiaries to suit your goals.
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