Life Insurance Needs Analysis

Financial Advisor Tim Hayes

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.

More About Tim

I will provide expert and highly personalized financial planning, retirement planning, and wealth management from my Boston office, when you need an independent financial advisor in Massachusetts (Greater Boston, North Shore, South Shore, South Coast, Merrimack Valley, MetroWest, or Rhode Island, Providence, Newport.)

I am an Investment Adviser Representative at Cambridge Investment Research Advisors, Inc., an SEC Registered investment adviser based in Fairfield, IA.

I am also registered with Cambridge Investment Research, Inc., an independent broker-dealer with over 3,000 registered representatives nationwide.

Convenient online access that can help you monitor your asset performance managed by your financial advisor anywhere and at any time.

The custodian for most fee-only accounts will be  Pershing, a Bank of New York Mellon Company.

Learn More About Pershing (pdf)

Financial Advisor Tim Hayes

Tim Hayes

Financial Advisor


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