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Life and Financial Services in Texas

Purchasing life insurance is one of the most important financial moves you can make. The coverage from this type of policy protects your family from financially worrisome situations if you are not there to provide for their needs. When you work with an independent agent, you can get the protection your family needs for less.

Financial Services Offered

• Portfolio Management
• Financial Planning
• Estate Planning & Trust Services / Philanthropy
• Risk Management
• Tax Planning

How much life insurance do I need?

This is a common question people have and can be addressed different ways. The first thing to determine is what do you hope to accomplish with the life insurance? Are you looking for a policy to cover final/burial expenses? Does your family need to replace “x” amount of after tax income each year you would have earned until retirement? Do you want to pay off your home or other debt? Is there any college education that needs to be funded? Special considerations such as wedding gifts or charitable contributions? These are just a few items to consider when building a customized plan for your family. Once you have identified your intentions, Tara will work with you to help you find a cost effective solution to achieve your family’s goals.

What Type of Policy Is Right for You?

One of the most important decisions you need to make is what type of insurance is right for your situation. The biggest factor to consider is time.

• With whole life insurance, the individual is covered for their entire lifetime. This type of policy allows you to borrow from it over your life, too. It can even be a part of your estate plan.
• Term life insurance is in place for a set amount of time. This type of policy is less expensive, but provides your family with financial protection when it is most at risk, such as when you have a mortgage to pay and dependents relying on your income.

There are other options to take into consideration. Child life insurance policies provide financial aid to cover medical costs for the death of a child. Other options include accident death, critical illness, long-term care policies, final expense coverage, and disability insurance. Any can be a good investment for you.

Finding the Right Policy

To ensure you get the right type of policy as well as the most affordable option, discuss your needs with an independent agent. You can get a comparative quote for policies available to you right away. You are not getting a quote from just one insurance provider, though. Rather, you'll receive a quote from numerous local providers through your agent so you can compare your options. That way, you get the best policy for your needs and your budget.

More information and bio - coming soon...