Protect your Family with Life Insurance - Universal Financial Group
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We help our clients pursue their wealth management goals through careful advice. We offer our customized wealth management solutions to wealthy individuals and families, family offices, charitable gift programs, endowments and foundations. Call us at 972-386-6639 to schedule a personal wealth review.
          

Life Insurance

Life insurance gives you the peace of mind you only get from knowing that you've protected your loved ones. In the event of your passing, life insurance provides money directly to your beneficiaries  


Life Insurance


Life Insurance: What Kind and how Much?

Finding the middle ground between being "insurance poor" and unprotected requires assessing real needs and choosing products that are affordable. If you have a family that's dependent on your income, then you need life insurance.

Exactly how much? Truth be told, many of us have too much life insurance — thanks to fast-talking sales reps. We'll help you find out how much you really need. Most people want enough life insurance to make sure their family can continue to live their current lifestyle even if a breadwinner passes away. To calculate what exactly that figure would be, we take into account both your spouse's and your children's annual expenses, as well as funeral costs.

There are two basic types of life insurance: term and permanent. Term insurance is purely life insurance while permanent (aka "cash value" or "whole life") policies include a savings element. You've probably heard lots of sales pitches and marketing hype regarding cash value polices, and other arguments about how term policies are the better deal. The truth of the matter depends on each persons individual situation.




 
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