Variable Life Insurance in Roswell Georgia | (770) 203-0818

Life Insurance Roswell GA (770) 203-0818 Buying insurance – either life insurance or disability coverage – from a traditional insurance agent could be risky. The reality is that very often when the traditional life insurance broker presents their products the only thing they’ll consider is your current income. “So”, Mr. or Mrs. Prospect, “based on the fact that you earn X amount of income annually you ought to purchase Y amount of insurance coverage.” While your employment income has to be one factor in deciding on the amount of insurance coverage you might need, very often is it shouldn’t be the SOLE criterion. Other factors may include investment portfolio income, business income, child support income, and alimony, just to name a few of these other factors. Your insurance requirements should be derived from your ENTIRE financial picture, not just your income. So where can you turn to for this kind of comprehensive evaluation? For a fact a CFP can be in a position to do this comprehensive financial analysis and lay out for you about appropriate levels of insurance coverages. But with a fee-basis 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 overall evaluation? One source you perhaps may not have thought about is a Certified Public Accountant. Granted most people think of their CPA in view of taxes but that person is in a position to know the breadth and depth of your individual financial situation. And increasingly CPA practices are realizing the benefit they can provide their clients by offering insurance products, that being capable of offering recommendations on the products and amounts of coverage based on the client’s actual situation and not just based the broker’s need to sell something. We invite you to call 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 generally give 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 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