Life insurance offers protection in case you die when those who depend on you still need you, it also offers other estate and tax management benefits. Here are some scenarios that might be familiar:
Anthony and Selena have a growing family and wonder, "With all of our expenses, including saving for college and investing money for the future, is life insurance really necessary? How do we choose between a permanent or a term insurance policy?"
Dave and Christine are in retirement. They ask, "Now that we are retired, should we cash out our whole life policy?"
Rebecca is a single woman with a small business. She wants to know, "What are the criteria for understanding whether key employee insurance is appropriate?"
Isaac likes to do research online and has read some negative comments about universal life insurance. He asks, "Do the benefits of a universal life insurance policy outweigh the fees and expenses associated with it?"
All of these are great questions and it’s important to remember that individual recommendations will vary with each situation.