Risk Management

With rates as low and competitive as they have ever been, it’s as close to a “buyers” market in life insurance as you’ll probably ever see.  Still, in these cash-strapped times, curbing all costs and expenses is a priority for most people, and buying life insurance is no different.

The one thing of which we can all be certain of, is change.  Life happens every day and, as a result, we are constantly assessing our situation and changing our course, usually by making small adjustments.  A life insurance purchase is one of the few decisions we make with a more long-term perspective.

Critics of whole life insurance point to the higher premiums these plans require and the inflexibility of the payment schedule; however, when the structure and features of whole life insurance are fully understood, a fair-minded person would see that it offers affordability and flexibility along with unmatched long-term security.  When whole life premiums are clearly explained, it becomes