Benjamin Franklin stated that “there are only 2 certain things in this life and those are death and taxes” so why not prepare yourself in the most efficient way?

One thing that is for sure with life insurance is that the younger and healthier you are, the cheaper it is.

The fact that you are young and healthy will keep premiums low and will also allow you to buy a lot more insurance coverage than you may be able to obtain in a few years. This would allow you to obtain the necessary insurance coverage you presently need but also into your future.

Who should be looking at individual life insurance? Well, if you:

• Are young, healthy single adult 
• Have spouse or partner 
• Own a business 
• Own a house (**note that a life insurance obtained through a mortgage and an individual life insurance are not the same. Individual life insurance can offer you a better protection and benefit your family- not just the creditor) 
• Are becoming parents or already have dependents 
• Have any debts 
• Own life insurance through your work (can be part of your group insurance you have through your employer). You may still be under-covered or left without an insurance if you change/quit jobs. 
• Are an individual who wants to protect your wealth through tax advantage strategies possible with life insurance

There are many different types of insurance contracts that can be suited to your needs. So, if you are thinking about purchasing life insurance but you are still not sure or may have any additional questions, do not hesitate to contact me!