Purchasing Insurance Woodstock Georiga (770) 285-7044

Purchasing insurance – either life insurance or disability coverage – from a regular insurance salesperson may be risky. The reality is that very often when the traditional life insurance salesperson pitches their policies the only factor they’ll take into account is your current employment income. “So”, Mr. or Ms. Prospect, “because you earn X amount of income you should have Y amount of insurance .” While your income must be a factor in determining how much insurance coverage you might require, very often is it shouldn’t be the ONLY criterion. Other factors might include investment portfolio income, business earnings, child support income, and alimony, just to name a few . Your insurance coverage needs should be derived from your TOTAL financial reality, 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 comprehensive financial analysis and lay out for you about recommended levels of insurance coverages. But with a fee-basis certified financial consultant, this might be really more than is needed and, cost-wise, impractical for many people. So where can you find this kind of overall evaluation? One place you perhaps may not have considered is a CPA. It’s true that most people think of their CPA in light of taxes but he or she is in a position to know the breadth and depth of your individual monetary situation. And increasingly CPA practices are realizing the benefit they can provide their clients through offering insurance , that being capable of offering recommendations on the specific products and amounts of coverage based on the client’s actual need and not just based the agent’s need to sell something. We invite you to contact us at the number on your screen if you would like an insurance review based on your total financial situation. Even if you have used another CPA or tax preparation service we can generally give you an accurate recommendation just from a review of your past tax returns. So give us a call right now and let’s review your insurance coverages – what you have right now and what, if anything, you might need to add to your portfolio.