Value Of Life Insurance

 Complete Value Of Life Insurance And Working With A Financial Professional

Over the last several years, planning for retirement has been anything but simple. Market uncertainty, lower real estate prices and for some, job loss or stagnant salaries, have made saving and investing for a sound financial future more challenging than ever. That’s where a financial professional comes into play.

A financial professional can help you save, invest and grow your money, while protecting what matters to you — your family, a business or standard of living. But, how do you find a financial professional that’s a good fit for you?

1. Start by considering his or her philosophy and approach to retirement planning. In today’s tenuous financial environment, a professional who believes permanent life insurance plays a critical role in a financial plan should be a strong consideration. Permanent life insurance provides a guaranteed safety net, should the unthinkable happen. A death benefit can give you peace of mind that your family or business is properly protected. Plus, the cash accumulation potential of permanent life insurance can be used to launch a second career, pay for a grandchild’s education or supplement retirement revenue streams. Permanent life insurance also allows other elements of a financial plan, such as annuities, investments or disability insurance, to do their job.

2. Make sure the financial professional has the proper education and training. Here are the top credentials to look for:

  • Chartered Life Underwriter (CLU) — an insurance designation often held by those who specialize in life insurance and estate planning and given by The American College, a nonprofit dedicated to educating individuals in financial services.

  • Certified Financial Planner (CFP) — a designation given and governed by the Certified Finacial Planner Board of Standards.
  • Chartered Financial Consultant (ChFC) — a designation on par with the CFP, also given by The American College.
3. Make certain you have a good comfort level with the financial professional, and how they communicate with clients. You can do this by scheduling an in-person meeting, preferably at their office, to ask the following questions:
  • What is your approach to retirement planning?
  • How often will I have the opportunity to meet in person to make sure my plan can adjust as my life evolves?
  • What is the average length of your relationships with clients?
  • Will you offer options and help me compare risks, costs and benefits?
  • How will you communicate with me about my finances?
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To learn more about working with a financial professional to take full advantage of the complete value of life insurance, visit

  • All guarantees are based on the claims paying ability of the issuer. Accessing cash-values may result in surrender fees and charges, may require additional premium payments to maintain coverage and will reduce the death benefit and policy values. Any examples are hypothetical, intended for illustrative purposes only, and highlight a single possible outcome. Individual results will vary.

Life Insurance: Possibilities In A New And Complex World

According to a recent study published by the Life Insurance and Market Research Association, last year only 44 percent of U.S. households had individual life insurance, and 30 percent of U.S. households had no coverage at all.

These statistics come at a time when using life insurance for both its protection benefit and as a way to build cash has never made more sense. Once pillars of financial stability, home equity, defined benefit plans, 401(k) matches and social security are now under threat. Under these circumstances, funding a college education, launching a new business or meeting an unexpected health emergency are daunting and cannot easily be resolved with many of yesterday’s financial solutions.

A permanent life insurance policy that is reviewed and updated on a regular basis protects more than just assets. It brings stability and can help you take advantage of so many of life’s possibilities.

If you are thinking about buying life insurance or increasing the amount of coverage you already have, here are some common misperceptions you should know:

  • Life insurance is a death benefit only. In addition to a death benefit, permanent life insurance offers cash value accumulation. This money can be used to cover all kinds of life expenses for you and your family, or, small business.
  • Buying term insurance with a minimum amount of death benefit and putting the rest of your money in other investments is the way to go. While death protection is important, permanent life insurance offers that protection and cash accumulation, thereby meeting your needs as they evolve throughout your lifetime.
  • Life insurance matters only when you have children. Life insurance can fulfill many different needs aside from protecting children. For instance, you can access the cash value of a permanent policy to help grow a business or fund a favorite philanthropy.
  • Life insurance is a monthly bill. Premium payments on a permanent life insurance policy are an investment in your future. A permanent policy is like paying yourself, as the policy accumulates cash value over time that can be used when and however needed.

For more information about all of life’s possibilities that life insurance may fulfill, please visit


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