Heritage

Do I actually need life insurance if I already have some at work?

​A. Most families rely on employer coverage without realizing it usually disappears when the job does.

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How much life insurance do I really need for my family?

A. People either guess or buy the cheapest option without understanding income replacement, debt, and future costs. A financial review and your needs will determine that.

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​​Is life insurance only for death or can it be used while I am alive?

A. Very few people understand living benefits and access options. Living benefits is a feature built-in to life insurance you can use while you are still alive. Check with carrier on requirements and offering.

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What happens to my family financially if something happens to me?

​A. This is the core fear question that drives most decisions. Ask yourself this, how could my family continue living the lifestyle I have provided if something happens to me?

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How do I protect my home if I pass away?

A. Mortgage protection is one of the biggest family concerns. Booking an appointment will give clarity on how you can protect your home.

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What is the difference between term and permanent life insurance?

A. This is one of the most searched questions. Think of Term as Temporary and Permanent as Lifetime.

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How do I make sure my children are taken care of financially?

A. An Estate plan and a customized strategy is a great way to ensure both financial and home stability is achieved.

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Do I need a will or a trust and what is the difference?

A. Estate planning confusion is everywhere. A Will and Testament outlines how you want your property and assets distributed after your death. Trust is when you transfer property ownership to a trustee. It is common for many people to have both.

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How do I protect my income if I get sick or injured?

Disability is more common than death before retirement. Should any of the qualifying triggers of Chronic, Critical or Terminal illness become a diagnosis, Living Benefits can give you up to 90% of your face amount to cover income gaps and/or medical bills.

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