Life Insurance Needs Analysis
Financial Advisor Tim Hayes Boston, MA | An Independent Consultant
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
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 important 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.
Partial List of Insurance Companies Work With
- Jackson National
- New York Life
- 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.