Insurance Planning

Insurance Planning is 1st. step


Proper insurance planning is first of all protect what you already have

For the rich, life insurance provides for a foundation of intergenerational wealth.

Evaluate your protection of assets, have enough life insurance to cover the worst possible scenario, in this way, what you build is left behind for your love ones

Life insurance is also purchased by those interested in achieving specific business, like partnership insurance, business retirement income, and or estate-transfer goals


For most people, it is protection of the greatest asset of all ‐ Income Earning Ability.

Many of us buy life insurance because we want to make sure that our loved ones, especially dependents, remain financially secure after we die.

Income replacement is the No. 1 reason people buy life insurance.

Before purchasing a life insurance policy, consider your financial situation and the standard of living you want to maintain for your love ones, spouse and kids.

Taking into consideration like, who will be responsible for your final medical bills and funeral costs ?

Would your family have to relocate or otherwise change their standard of living after losing your income?

Let's look at the worst situation, this way, "What if I die yesterday"

"How much will my family need, to pay all the bills that keeps coming"

"Bills never stop coming, even if you die yesterday, and you know that for a fact"

Look into the financial needs of the family members, such as: children's expenses, income for the surviving spouse, mortgage and other debt payoffs, college education funds and an additional emergency fund.

We recommend a review of your life insurance whenever you experience a major life event such as a change in income or assets, marriage, divorce, the birth or adoption of a child, or a major purchase such as a house or business.

Make sure you also protect your greatest asset with long-term disability insurance

The basis for insurance is to care for the living when the event of death occurs.

It is peace of mind when we know we can still care for our love ones even though we are not around due to unforeseen circumstance.

Insurances planning is mandatory for every caring parents