We Do That.

Life is ever-changing. No one can predict when insurance will be needed. Many people only purchase insurance when it’s required, like when they are buying a new home or car. But life and other types of insurance may be one of the most important purchases you will ever make.

It can be tough to think about, but being prepared for the loss of an income earner is the best way to protect your family. Life insurance may help loved ones start with a clean slate by helping pay off the mortgage, credit card bills, outstanding loans, household bills, child care expenses, tuition, and final expenses, life funeral costs and taxes. While disability, critical illness and Long-Term Care insurance may help provide a source of replacement income for you and your loved ones if an income earner falls ill.

The real benefit of life and other types of insurance is to reduce financial risk and give you the support you need when the unexpected happens.

How do I know if I need life insurance?

If someone will suffer financially when you die, you may need life insurance. The death benefit from a life insurance policy can provide financial aide to your loved ones as they learn to move forward without you. Since the death benefit does not go through probate while your estate is being settled this can provide immediate access to much needed funds.

How do I know if I need other types of insurance?

Do you find value in warranties? When making a large purchase do you ensure that the warranty can cover out-of-pocket expenses so you don’t feel a financial burden from the cost of a repair? Disability, critical illness and long-term care insurance are like an “income warranty”.  If you and your family would be unable to meet your financial responsibilities in the case of an accident or a long-term illness these types of insurance products may provide a replacement source of income.

How do I know how much insurance I need or if I currently have the right amount of insurance?

Since everyone`s needs are unique we will work with you to help determine a suitable amount of insurance coverage and duration as well as ensure your insurance premiums are within your budget.

How do I get started with CIC Financial?

Simply contact our office to arrange a free no-obligation consultation.