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Life Insurance

Invest in a Relationship

investment-16-Landing-Page-Image.jpgLife insurance is a simple answer to a very difficult question: How will my family manage financially when I die? It’s a subject no one really wants to think about but if someone depends on you financially, it’s one you can’t avoid.

There are many types of life insurance, but for all of them the bottom line is the same: They pay cash to your family after you pass, allowing them to remain financially secure. Life insurance payments can be used to cover daily living expenses, mortgage payments, outstanding loans, college tuition, and other essential expenses.

To help you understand what life insurance means to you, the following topics address life insurance information that is common among individuals. Think of these topics as simply a point in the right direction, and then seek professional advice to implement the right insurance strategy for you.

  • Life Insurance at Various Life Stages:
    Life insurance needs change as your life changes. When you're young, you typically have less need for life insurance, but that changes as you take on more responsibility and your family grows. Let's look at how your life insurance needs change throughout your lifetime.
  • Types of Life Insurance:
    You know you need life insurance. However, with the wide variety of insurance policies available, you may find choosing the right one difficult. It's really not as confusing as it seems once you understand the basic types of policies.
  • How Much Life Insurance Do You Need:
    Your life insurance needs change as your life changes. When you are young, you may not have a need for life insurance. However, as you take on more responsibility and your family grows, your life insurance needs increase. Your needs may then decrease after your children are grown. You should periodically review your needs to ensure that your life insurance coverage adequately reflects your life situation.

You have worked hard to establish a solid financial framework for your family made up of investments, home equity, a savings plan, and retirement accounts. Life insurance is the foundation upon which it all rests. Most Americans need life insurance, and many who already have it may need to update their coverage.

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency. Advisory services may only be offered by Investment Adviser Representatives. Click here to view Cetera Investment Services Privacy Policy, other Important Information and Business Continuity Plan.

This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com

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