Insurance

Insurance can help carry out your hopes and dreams for the future – even after you’re gone.

An important part of a sound financial plan, insurance provides a death or living benefit to you or your loved ones and can replace some of the income you would have earned. This can help preserve your savings, investments, and other assets for the purposes you intended, such as education funding or paying off a mortgage.

Why You Need Insurance?
Insurance can protect your family or business if you should die prematurely or survive a critical illness. The benefit it provides can replace some of the income you would have earned and help to:

• Maintain your family’s standard of living.
• Protect your family’s home by enabling them to pay off the mortgage and other debts.
• Provide for your child’s education.
• Provide retirement income for your spouse or partner.
• Provide funds to settle an estate, pay estate taxes and other final expenses.
• Keep your business in the family.
  

How Much Do You Need?
Everyone’s needs differ. You should consider at least how much your family will need for funeral expenses, the mortgage, car loans, credit card debt, education for your children, and retirement for you or your spouse if you should die prematurely, become disabled or become critically ill.

Speak with a licensed financial professional for a more thorough analysis of your needs. He or she can help determine how much insurance you need based on your needs and goals for the future. He or she can also help you choose the right type of insurance for your needs and budget.

Choose the Right Policy
You probably have a vision of your ideal policy: one with guarantees, premiums that fit your budget, flexible features that can adapt as your needs change and your family or business grows, or perhaps the ability to build up cash value.

With the variety of policies available Braley Winton Financial can help you find one that satisfies your needs, goals, and budget.

How much will it cost?
The right insurance policy is one that provides the coverage you need at an affordable cost. With a variety of policies to choose from, you can find one that meets your protection needs and fits your budget.

When to Review Your Coverage
When you bought your insurance policy, your situation may have been significantly different from what it is now. If something were to happen to you today, would your family have enough protection?

If you have done any of the following since you bought your policy, it's a good idea to review your coverage with a licensed financial professional:

• Moved to a different home, or purchased your first home
• Married, divorced or been widowed
• Had a child
• Changed jobs
• Started your own business
• Began caring for an elderly relative
• Took out a large home equity, auto or other type of loan
• Started a retirement fund
• Started an education fund

View Types of Insurance