Purchasing Life Insurance Woodstock GA Call (770) 285-7044

Purchasing insurance – either life insurance or disability coverage – from a traditional insurance agent could be risky. You see, very often when the traditional life insurance salesperson pitches their policies the only factor they’ll take into account is your current earnings. “So”, Mr. or Mrs. Prospect, “since you earn X amount of income you ought to purchase Y amount of insurance coverage.” While your employment income has to be a factor in deciding on how much insurance coverage you might require, very often is it shouldn’t be the ONLY criterion. Other factors can include investment portfolio income, business income, child support income, and alimony, just to name a few of these other factors. Your insurance requirements should take into account your TOTAL financial situation, not just your employment income. So where can you turn to for this comprehensive evaluation? For a fact a Certified Financial Planner can have the information to do this comprehensive financial analysis and advise you about appropriate levels of insurance coverages. But with a fee-basis certified financial planner, this might be really more than is needed and, cost-wise, impractical for many people. So where can you find this kind of comprehensive evaluation? One place you might not have thought about is a CPA. Granted most people think of their CPA in view of taxes but he or she is in a position to know and understand your individual financial picture. And increasingly CPA practices are coming to understand the great benefit they can offer their clients by offering insurance products, that being capable of offering recommendations on the products and amounts of coverage that are based on the client’s actual need and not just based the broker’s need to make a sale. 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 picture. Even if you have used another CPA or tax preparation service we can in most cases give you an accurate recommendation just from a review of your past tax returns. So give us a call today and let’s review your insurance coverages – what you have now and what, if anything, you might need to add to your insurance portfolio.