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Life insurance is a risk management tool, but a unique type. It is unique because its primary purpose is to create an immediate pool of cash that is payable at the death of the insured person.  Life Insurance contains very favorable legal and tax benefits that can provide for; (1) Income Replacement, (2) Business, Farm & Ranch Continuity, (3) Estate Planning, (4) Charitable Giving, (5) Supplemental retirement and Asset accumulation.

To meet diverse needs and to enhance the value of life insurance, different types of policies and features have been designed. While some life insurance policies focus exclusively on providing a death benefit, others also build cash value amounts within the policy that the owner of the policy may access to meet emergencies, help purchase a home, or pay for a college education.

Contact us and we can help you navigate the myriad of concerns, companies and questions you may have.

• Shouldn’t I just buy term insurance?

• What are my options?

• Why do I need it now?