No one really wants to think about life insurance. But if someone depends on you financially, it’s a topic you can’t avoid. In the event of a tragedy, life insurance proceeds can: pay for funeral costs, help pay the bills and meet ongoing living expenses, pay off outstanding debt (including credit cards and the mortgage), continue a family business, finance future needs (like your children’s education), and protect a spouse’s retirement plans

Your ability to earn a living is far and away your largest asset. Without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay your credit card bills without feeling the pinch? If you’re like most, it wouldn’t be long at all. That’s where disability insurance comes in... Think of it as insurance for your paycheck. It ensures that if you are unable to work because of illness or injury, you will continue to receive an income and make ends meet until you’re able to return to work.

Critical Illness policies provide lump-sum payments that can be used to cover many costs related to illness — including medical care, travel expenses or wages of a family member leaving work to help. Like Life Insurance, Critical Illness Insurance can be an important element in your financial plan. By paying you cash benefits when you are diagnosed with a listed, life threatening illness, it gives you time and maybe a few more options in how you will respond.