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What happens if death or a critical illness occurs prior to making it to retirement? Much of my work is with clients between 45 and 70. Many are still working, have a mortgage or debt, children at home, and saving toward retirement.
Reviewing risks and planning for the future now can save you a lot of money. Insurance costs increase as you get older and health impairments add additional premiums or lead to declines.
People on tight budgets need insurance too. Working or retired, imagine the impact on family when an income source is lost. With the introduction of non-medical insurance, more people have access.
When you do business with me, you get a written letter explaining the policy purchased, why you bought it, who it is meant to benefit, premiums you will pay and options in the policy that you need to take notice. It also sets actions for the future. This document does not come with a policy purchased online. In fact, I seldom see an explanation letter when reviewing existing coverage.
Comfortable conversation, knowledge and experience, access to markets, documentation - all great reasons to Talk to Tim.
Tim Forster