Advisor: Brenna Warren

(802) 445-7982 | bwarren@moneyconcepts.com
155 North Street, Bennington, VT 05201

Advisor: Brenna Warren
(802) 445-7982 | bwarren@moneyconcepts.com
155 North Street, Bennington, VT 05201

More Questions Life Insurance Appraisal Get a Quote Needs Calculator

LIFE INSURANCE — THERE’S MORE TO IT THAN YOU MAY THINK…

The core purpose of life insurance comes down to protection. But when deciding who, what, and how of life insurance, you’ll see that it is a far more flexible tool than it’s often given credit for.

HOW CAN LIFE INSURANCE BE USED?

Your policy can be customized in a variety of ways to fit your exact protection needs. The first question to ask is who or what is the protection for?

YOUR FAMILY

While life insurance does act as a safety net in the case of a tragedy, it has the potential to do so much more. It can provide you and your family the life they deserve — even in the face of difficulties. The benefits of life insurance, including those during your lifetime, are sometimes overlooked.

MARRIAGE

A new marriage is always a logical time to purchase life insurance since there is now a sharing of both a household and finances. Perhaps new debts are acquired and coverage to leave a survivor whole should be considered.

PROTECTION FOR CHILDREN

Many first-time life insurance purchases are the result of becoming a new parent or from having more children. Having enough life insurance for groceries, school expenses and a college fund is a goal for most parents.

PROTECTION FOR A MORTGAGE

If the primary income-earner of your family were to pass away, a life insurance policy could provide the funds to pay off a mortgage or the investment income to pay the monthly mortgage.

CHRONIC ILLNESS BENEFIT

Today’s life insurance can offer funds to help cover the expense of a long-term care or chronic illness event.

BUSINESS OWNERS

Business owners are often faced with the challenge of supporting both their own families as well as their employees. Fortunately, insurance can be used in a variety of ways to help secure the things and people most important to the business owner.

Our team of advanced planners would be happy to discuss how we can help you create a customized insurance plan for you.

SHOULD I GET A POLICY FOR 10 YEARS, 20 YEARS, OR EVEN LONGER?

There isn’t an answer that’s right for everyone. It all depends on the needs and plans of you and your family (or business). Do you have a mortgage? Do you have children approaching retirement? Do you plan on changing jobs? All of these are factors to consider. If you have questions about the length of your coverage, our team would be happy to talk with you.

PERMANENT INSURANCE

Deciding between term and permanent insurance really comes down to your needs. If you have temporary needs, term insurance offers you the greatest death benefit for the lowest premiums. However, if you’re looking for lifelong protection and the option of accumulating tax-deferred cash value, permanent insurance may be the best option. There are also some situations in which it makes sense to purchase both a term and permanent policy.

We can help you determine if a permanent policy is right for you.

LIFE INSURANCE — THERE’S MORE TO IT THAN YOU MAY THINK…

The core purpose of life insurance comes down to protection. But when deciding who, what, and how of life insurance, you’ll see that it is a far more flexible tool than it’s often given credit for.

HOW CAN LIFE INSURANCE BE USED?

Your policy can be customized in a variety of ways to fit your exact protection needs. The first question to ask is who or what is the protection for?

YOUR FAMILY

While life insurance does act as a safety net in the case of a tragedy, it has the potential to do so much more. It can provide you and your family the life they deserve — even in the face of difficulties. The benefits of life insurance, including those during your lifetime, are sometimes overlooked.

MARRIAGE

A new marriage is always a logical time to purchase life insurance since there is now a sharing of both a household and finances. Perhaps new debts are acquired and coverage to leave a survivor whole should be considered.

PROTECTION FOR CHILDREN

Many first-time life insurance purchases are the result of becoming a new parent or from having more children. Having enough life insurance for groceries, school expenses and a college fund is a goal for most parents.

PROTECTION FOR A MORTGAGE

If the primary income-earner of your family were to pass away, a life insurance policy could provide the funds to pay off a mortgage or the investment income to pay the monthly mortgage.

CHRONIC ILLNESS BENEFIT

Today’s life insurance can offer funds to help cover the expense of a long-term care or chronic illness event.

BUSINESS OWNERS

Business owners are often faced with the challenge of supporting both their own families as well as their employees. Fortunately, insurance can be used in a variety of ways to help secure the things and people most important to the business owner.

Our team of advanced planners would be happy to discuss how we can help you create a customized insurance plan for you.

SHOULD I GET A POLICY FOR 10 YEARS, 20 YEARS, OR EVEN LONGER?

There isn’t an answer that’s right for everyone. It all depends on the needs and plans of you and your family (or business). Do you have a mortgage? Do you have children approaching retirement? Do you plan on changing jobs? All of these are factors to consider. If you have questions about the length of your coverage, our team would be happy to talk with you.

PERMANENT INSURANCE

Deciding between term and permanent insurance really comes down to your needs. If you have temporary needs, term insurance offers you the greatest death benefit for the lowest premiums. However, if you’re looking for lifelong protection and the option of accumulating tax-deferred cash value, permanent insurance may be the best option. There are also some situations in which it makes sense to purchase both a term and permanent policy.

We can help you determine if a permanent policy is right for you.