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Life Insurance Needs Analysis for Individuals and Couples

Tim Hayes AIF®, CRPS®, AWMA®, CFS®, APMA®, CAS®

There Are Two Types: Term and Permanent

  • Job one is matching your needs with the right plan.
  • Job two is choosing the insurance company and designing the policy.

Plan design is especially crucial if you need permanent coverage. As there are more types of plans: whole life, universal life, and variable life and policy design can have an impact on your costs and coverage.

Life insurance is one of the most important but least understood financial products. After the death of a loved one, it can offer enormous financial comfort to your beneficiaries. However, because of how it has been sold (high pressure) together with the buying process (which can be cumbersome), many Americans don’t have enough.

The Financial Planning Process


  • Prudential
  • Jackson National
  • AXA
  • New York Life
  • MassMutual
  • Pacific Life

I spent the first part of my career with MetLife, so I am well-versed in guaranteed products such as life insurance and fixed annuities.

These are the opinions of Tim Hayes and not necessarily those of Cambridge Investment Research. They are for informational purposes only and should not be construed or acted upon as individualized investment advice.

More About Tim

I am licensed in Massachusetts, Rhode Island, New Hampshire, Connecticut, and Maine, including Boston and surrounding cities. So when you need an independent financial advisor in Massachusetts – Salem or the North Shore, Hingham, or another town on the South Shore, Andover, and the Merrimack Valley, MetroWest including Hopkington, or the SouthcoastMartha’s Vineyard, Nantucket, and Newport, Rhode Island from my Dartmouth office.

If you're concerned about your financial future, let’s talk


If you’re concerned about your financial future, let’s talk