Survivor’s Income, Final Expenses & Estate Protection
Make a plan for the people who matter most
Your plan should consider what your loved ones may need if you become seriously ill or pass away. It should also make your wishes clear and account for how your assets and insurance benefits will reach the people you choose.
What we can discuss
We offer a range of services to meet the needs of every client. Have something else in mind? We'd be happy to work with you to create a custom quote.
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Consider whether a spouse or dependent would have the financial resources they need if your income were no longer available.
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Review policies that may allow access to part of a death benefit after a qualifying illness, subject to the policy’s terms.
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Consider coverage intended to help with funeral costs and other expenses left to your family.
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Review whom you have named on applicable accounts and policies and whether those choices still reflect your wishes.
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Identify the decisions you want documented and the questions to take to an attorney. A living trust may help assets transferred into it avoid probate.
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Think about who should be able to act on your behalf if you cannot manage matters yourself, and discuss the appropriate documents with an attorney.
Our approach to Estate Protection
Listen
We learn whom you want to provide for, what concerns you about the future, and what wishes you want to make clear.
Review
We look at existing life insurance, beneficiary designations, and estate documents to understand what you already have in place
Explore
We discuss insurance options that may fit your needs and identify questions to address with an attorney about wills, living trusts, probate, and planning for incapacity.
Stay Connected
We encourage you to revisit your coverage, beneficiaries, and documents after changes in your family, assets, or wishes.