Life insurance is one of the most over-sold and under-explained products in the industry. Most people have a policy they were sold rather than one they chose. Some are paying for coverage they no longer need. Others are uncovered in ways they would not expect. The questions below are the ones worth answering before you renew, replace, or buy anything new.

• Does purchasing life insurance make sense for my situation?

• Should I consider getting life insurance for my family?

• What are the different types of life insurance?

• Does life insurance on my kids make sense?

• Is life insurance worth the cost?

• How much coverage do I actually need?

• I already have a policy but I have never fully understood it

• Am I paying too much for the coverage I have?

• Does my employer-provided life insurance give me enough protection?

• The differences between converting, or replacing a policy

• What happens to my work place policy if I change jobs or retire?

• How do I make sure my beneficiaries are set up correctly?

If you want someone to read your existing policy line by line and tell you exactly what you have, The Clarity Session is the place to start. If you have a new policy or proposal in front of you and something does not sit right, The Second Opinion is the right call.

The first conversation is free. Thirty minutes, no presentation, no pitch.