You may ask, “Do I need insurance?”
Consider the following scenarios and ask yourself these questions:
- Do you have a spouse or children who count on you for income?
Are you completely comfortable that they would be taken care of if you didn’t come home from work tomorrow?
It’s a disturbing thought – but not one that should be taken lightly.
- Do you count on a stay-at-home spouse to manage the household including the important care for your children?
While a non-working spouse may provide little or no income to the household, the value they bring is priceless. What if they weren’t there to provide this valuable, loving care?
- Does your ability to create income rely on your body’s ability to function at normal capacity?
Of course it does! What would happen to your income if you somehow got hurt or became ill and could not work?
- What would happen to your financial situation if you suddenly experienced a long-term catastrophic illness?
- What if you got into a car accident, it was your fault and you got sued?
Do you have sufficient liability protection from unwanted litigation or a frivolous lawsuit?
As part of our comprehensive approach to helping our clients build and protect their wealth, insurance plays a foundational role. At McKell Partners, we provide:
- Term Life Insurance
- Permanent or Whole Life Insurance
- Disability Insurance
- Asset-based Long-term Care Insurance
- Property & Casualty Insurance Review
We all have a spare tire in the trunk, just in case. We wear seat belts, just in case. Unfortunately, too many people are left to campaigns like GoFundMe.com or high school car washes to come up with the needed funds to help an individual or family in tragedy. Although the efforts are sincere, these funds are rarely enough. Ultimately, if we want to take control of our lives, we need to be responsible and protect our families and our wealth.
Another question might be, “Okay, how much coverage do I need?”
Your amount of coverage should be correlated with the size of your nest egg or castle. We like to use the castle and moat example. In short, big castle? Big moat! Small castle? Small moat! We can help you figure out the details. However, that’s the idea. And, it’s affordable. If you’re willing to think honestly about it, you can’t afford not to have the proper coverage. And don’t forget, this assumes you’re even insurable. Don’t let the window of insurability pass. Would you rather be prepared 10 years early or one day too late?
At McKell Partners, our job is to help ensure you have the protection you need to provide security to your family, to guarantee that assets will be available for your care, and to preserve your estate at your passing. In a sense, our role is to make sure that a bad day doesn’t turn into a bad life!
Working with a financial professional that takes a holistic, comprehensive view has added benefits. Since we take the time to understand your whole financial chessboard, we can more accurately recommend an insurance plan that is right for you. In addition, we are multi-company licensed, which means that we can provide independent, impartial insurance advice.
To speak with us, please contact our office to arrange a complimentary consultation. Simply call (888) 704-1337 or email email@example.com.