Buying Whole Life Insurance in Roswell GA | (770) 203-0818

Life Insurance Roswell GA (770) 203-0818 Buying insurance – either life insurance or disability insurance – from a regular insurance agent may be risky. The reality is that typically when the traditional life insurance broker pitches their policies the only factor they’ll take into account is your current employment income. “So”, Mr. or Ms. Prospect, “based on the fact that you earn X amount of income annually you should have Y amount of insurance .” While your income must be one factor in deciding on how much insurance you might need, very often is it should not be the SOLE criterion. Other factors might include investment portfolio income, business earnings, child support income, and alimony, just to name a few . Your insurance coverage requirements should take into account your ENTIRE financial situation, not just your income. So where can you turn to for this comprehensive evaluation? For a fact a CFP can be in a position to do this total financial analysis and advise you about necessary levels of insurance coverages. But with a fee-basis certified financial planner, this might be really more than is needed and, cost-wise, impractical for many individuals. So where can you turn to for this kind of comprehensive evaluation? One place many people may not have thought about is a CPA. It’s true that most people think of their CPA in view of taxes but that person is in a position to know and understand the breadth and depth of your individual monetary picture. And increasingly CPA practices are coming to understand the benefit they can provide their clients by offering insurance products, that being able to offer recommendations on the specific products and amounts of coverage based on the client’s actual situation and not just based the broker’s need to make a sale. You are invited to contact us at the number on your screen if you would like an insurance review based on your total financial situation. Even if you have used another CPA or tax preparation service we can in most cases provide you an accurate recommendation from reviewing your past tax filings. So give us a call today and let’s review your insurance coverages – what you have now and what, if anything, you might need to add to your insurance portfolio. You see, more often than not when the traditional life insurance salesperson pitches their products the only factor they’ll take into account is your current income. “So”, Mr. or Mrs. Prospect, “because you earn X amount of income you need Y amount of insurance.” While your income should be a factor in determining how much insurance you might need, very often is it should not be the ONLY factor. Other factors can include investment income, business income, child support income, and alimony, just to name a few. Your insurance needs should be derived from you TOTAL financial picture, not just your income. So where can you turn to for this evaluation? For a fact a Certified Financial Planner can be in a position to do this total financial analysis and advise you about appropriate insurance coverages. But with a fee-basis financial planner, this might be overkill and, cost-wise, impractical for many individuals. So where can you turn for this kind of comprehensive evaluation? One source you may not have considered is a Certified Public Accountant. It’s true that most people think of their CPA in light of taxes but he or she is in a unique position to know the breadth and depth of your individual financial picture. And more and more CPA practices are realizing the great benefit they can provide their clients through offering insurance products, that being able to offer guidance on the products and amounts of coverage based on the client’s actual need and not just based the agent’s need to sell something. We invite you to contact us at the number on your screen if you would like an insurance analysis based on your total financial situation. Even if you have used another CPA or tax preparation service we can generally give you an accurate recommendation just from a review of your past tax returns. So call us today and let’s look at your insurance coverages – what you have now and what, if anything, you might need to add to your portfolio. Thanks for visiting with us today. (770) 203-0818