At Father & Son Financial, we understand that choosing the right life insurance is a crucial step in securing your family's financial future. With 37 years of experience in the life insurance industry, our knowledgeable team is here to help you navigate this important decision. We shop the market for you, comparing policies from various providers to find the best fit for your needs and budget.
There are two main types of life insurance: term and permanent. Term life insurance provides coverage for a specified period, usually 10, 20, or 30 years, and is often more affordable, making it a great choice for those looking for temporary coverage. On the other hand, permanent life insurance offers lifelong coverage and includes a cash value component that grows over time, providing both protection and an investment opportunity.
Having life insurance is important because the tax-free proceeds from a policy can be used to pay off debts, cover final expenses, settle mortgages, or leave a financial legacy for your loved ones. This ensures that your family has much-needed cash when they need it most, allowing them to focus on healing rather than financial burdens.
We know the process can often be confusing, which is why we strive to make it easy for you. Our team is always available to answer any questions you may have and conduct regular policy reviews to ensure your coverage remains aligned with your evolving needs. We’re here to support your family every step of the way.
