It's very easy to overlook potential insurance needs between marriage or divorce, new children, income variance, real estate purchases, and other financial changes that happen so fast. However, term life insurance is an important component of your diversified financial plan, especially while you're still building wealth.
Unfortunately, our firm comes into contact with both those families who had life insurance, but also those who wish they had put it into place. Those are incredibly difficult conversations and our goal is to make sure that we properly communicate the importance of having term life insurance in place for certain situations.
You can be prepared for the unexpected and ensure your family is protected with at least 10 times your annual salary in term life coverage. Here are just a few scenarios where we believe a term life insurance review makes sense.
- Lack confidence as to whether your family would be financially secure if something happened to you unexpectedly
- You are the sole income earner and your spouse does not earn an income
- Desire to maintain college savings contributions for children
- Fully cover mortgage obligation(s) for your spouse or children
- Replace future expected income from working years
Do any of the above describe your situation?
Schedule a meeting with us if you don't have term life insurance or are concerned your policies are underfunded or outdated. We're happy to help!
Contact us for a complimentary evaluation
Our team will ask a series of questions to fully understand your situation and determine a recommended coverage level. There is no cost or obligation for this service.
No Obligation Policy Review
We will review your contracts and leave no stone unturned in researching your coverage options. Our policy review program is a complimentary service as we only receive compensation if we find a better option for you.
Name Brand Insurance Carriers to Choose From
We have access to quote up to 30 name-brand insurance carriers to determine the best fit for you and your family. This allows us to find the most competitive pricing along with what we believe is the best carrier fit for your specific situation.
Call us directly or schedule a consultation with any of our advisors today!
The SmartVestor program is a directory of investment professionals. Neither Dave Ramsey nor SmartVestor are affiliates of Wendell Charles Financial or LPL Financial.
Registered representatives with, and Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA & SIPC.
The LPL Financial Registered Representatives associated with this website may discuss and/or transact securities business only with residents of the following states: California, Hawaii, New York, Washington, Iowa, Illinois, Indiana, Virginia, Michigan, Minnesota, Maryland, Arizona, Utah, Nevada, Colorado, Oregon, Tennessee, and Texas.
Insurance offered through Wendell Charles Insurance Services in California. CA Insurance #0M55126