Buying Life Insurance Woodstock Call (770) 285-7044

Buying insurance – either life insurance or disability coverage – from a regular insurance broker may be risky. You see, very often when the traditional life insurance agent pitches their policies the only thing they’ll consider is your current employment earnings. “So”, Mr. or Ms. Prospect, “based on the fact that your salary is X amount of income annually you need Y amount of insurance .” While your income must be a criteria in deciding on the amount of insurance coverage you might require, very often is it shouldn’t be the ONLY criterion. Other factors can include investment portfolio income, business earnings, child support income, and alimony, just to name a few . Your insurance coverage needs should take into account your OVERALL financial picture, not just your employment income. So where can you turn to for this comprehensive evaluation? For a fact a Certified Financial Planner can be in a position to do this total financial review and advise you about necessary levels of insurance coverages. But with a fee-basis financial advisor, this might be really more than is needed and, cost-wise, impractical for many individuals. So where can you turn to for this kind of comprehensive evaluation? One place you may not have considered is a Certified Public Accountant. Granted most people think of their CPA in view of taxes but he or she is in a position to know and understand the breadth and depth of your individual financial situation. And more and more CPA practices are realizing the great benefit they can provide their clients through offering insurance , that being able to offer guidance on the specific products and amounts of coverage that are based on the client’s actual need and not just based the broker’s need to sell something. You are invited to call us at the number on your screen if you would like a complete insurance review based on your total financial situation. Even if you have used another CPA or tax preparation service we can generally provide you an accurate recommendation just from a review of your past tax returns. So call us right now and let’s look at your insurance coverages – what you have now and what, if anything, you might need to add to your portfolio.