Life, Annuity, and Long Term Care Insurance Planning Services for Sun City Residents
Professional Life, Annuity, and Long Term Care Insurance Planning Services available in Sun City, Phoenix, Peoria, Scottsdale, and Mesa
Life insurance is one of the best ways to prepare for the unexpected moments in Life; now, and in the future.
- Can we pay off the house?
- Will my kids get a good education?
- Will they grow up healthy and happy?
Life insurance can simply remove all of these worries. However, there are 3 general questions that need to be answered to begin with.
Do I need it?
If you and other loved ones who are financially dependent on your income, then the answer is YES. Some situations may include:
- What if I lose my job?
- A spouse or partner needs your income to help pay expenses.
- What if I become disabled?
How long will I need it?
We not only understand that every situation is different, but will also be different down the road. If you have a child or spouse who has special-needs, or you're are wealthy enough to worry about estate taxes, you may want coverage for life.
How much do I need?
The precise amount is to acquire as much as the insurance company will allow or an amount equal to the value of your estate. Just think how perfect your life would be, no fear of running out of money under most circumstances, be it death, disability, loss of job, market fluctuations, tax law changes to name a few.
And here is the best part, at GMH Investment Advisory Services we have been specifically trained to try to first accomplish these purchases "without spending any more money out of your budget". In some instances this may require additional funding based on individual circumstances or eligibility.
Note: If you need life insurance, don't procrastinate. Premiums tend to go up as you age, plus you run the risk of developing health problems that could make insurance more expensive or even unattainable.