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Life Insurance

Has your insurance kept up with the changes in your life? If you’re like most people, you probably already own some life insurance, either through your employer or insurance you’ve purchased on your own. But is it still enough to cover all your needs? Have you thought about Long-term Care Insurance and Disability Insurance to cover you in case you’re sick or hurt and can’t work?  

This may sound like it’s all gloom and doom, but it just takes a few minutes to determine whether you and those you love have enough coverage. Let your CFS* Financial Advisor at 3Rivers help to ensure your family is protected.

Personal Concerns:

  • Death before loan/debt repayment can be finished
  • Spouse outliving a life-only pension plan
  • Death before reaching personal financial goals
  • Retirement funding for spouse, child’s education
  • Tax-free income
  • Disability Insurance
  • Long-term Care Insurance

Family Concerns: 

  • Death of a primary income earner
  • Final expenses
  • Dependent income
  • Education
  • Family goals
  • Support of parents
  • Wealth transfer/preservation

Business Concerns:

  • Death of a partner or co-shareholder
  • Death of a key employee
  • Loss of a key employee to a competitor
  • Liquidity of the business in the event of an owner’s death
  • Special situations (e.g. stock repurchases, fund retirement benefits)

To learn more about life insurance and protecting your family, contact us today to schedule a no-obligation appointment: