Life is FULL of exciting changes and each milestone is a reminder of what matters most.  From starting a new chapter to welcoming new family members, these moments shape our future and our priorities.  Life insurance is an essential way to ensure that, whatever happens, you and your family are protected, and the financial resources are available.

Consider how your needs may shift during these key life events:

• Just Married or Recently Divorced

• Welcoming a New Baby

• Starting a New Job or Career

• Buying a New Home

• Funding College Education

• Starting a Business

• Overwhelming burden of debt

• Caring for Aging Parents

• Retiring

These transitions bring new responsibilities, and life insurance can uniquely support you through each one.

I’m here to guide you in making sure your coverage aligns with your current and future needs.

Let’s schedule a quick review to ensure you’re fully covered for every milestone.

Contact me today to arrange a call, and let’s put a plan in place to secure what matters most to you.

Ready to take the next step? Let’s make this year your most prepared one yet.

1. Future Goals and Legacy

• What are your long-term financial goals for yourself and your family?
• How do you envision taking care of your loved ones if you were no longer around?
• What kind of legacy would you like to leave behind for your family, business, or community?

2. Family and Financial Protection

• If something happened to you, how would it impact your family’s current lifestyle?
• Do you have a plan in place to protect your family’s financial future?
• How would your family cover living expenses and debts in your absence?

3. Life Changes and Coverage Needs

• Have there been any significant changes in your life recently (marriage, new child, buying a home, new job)?
• Do you feel confident that your current coverage is enough to meet those new needs?
• What concerns you the most about your current life insurance plan?

4. Income Replacement and Lifestyle Maintenance

• If you were suddenly unable to work, how long could your family maintain their lifestyle?
• Do you have a plan to replace your income if something unexpected were to happen?
• What would it mean for your family if they were to lose your income source?

5. Retirement and Cash Accumulation

• What are your biggest concerns about saving for retirement?
• Have you thought about using a life insurance policy as a way to build cash value or fund your retirement?
• Are you familiar with the tax benefits of certain life insurance options that could help grow your retirement fund?

6. Debt Management and Financial Responsibilities

• If you were no longer here, how would your debts (mortgage, loans, credit) be handled?
• How would your family handle any financial obligations left behind?
• Do you feel comfortable with your current level of financial security for your family?

7. Estate Planning and Taxes

• Are you aware of how life insurance could help reduce the tax burden on your estate?
• Do you have a plan in place to ensure your assets are distributed according to your wishes?
• What concerns do you have about estate taxes or transferring wealth to your heirs?

8. Health and Long-Term Care

• How prepared do you feel for future healthcare expenses or the need for long-term care?
• Would your family have the resources to cover your healthcare expenses if something happened to you?
• Have you considered options that combine life insurance with long-term care benefits?

9. Business Continuity (For Business Owners)

• What would happen to your business if you were no longer able to be there?
• Do you have a succession plan in place to protect your business and employees?
• How would your family benefit from your business if something unexpected happened to you?

10. Current Financial Strategy and Improvements

• What do you feel is missing in your current financial protection strategy?
• If you could improve any one area of your financial plan, what would it be?
• What would peace of mind look like to you in terms of financial security?