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Insurance policies,
including life insurance,

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can play an important
role in planning.

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It can help protect you
and your family's lifestyle

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and goals from the unexpected.

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Matching the correct coverage
with your current stage

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in life can be an important part

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of safeguarding the
life you want for you

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and the ones you love.

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To help determine if your
existing coverage fits your

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plan, there are several
key questions to consider.

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When was the last time you
reviewed your insurance needs

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and how they relate
to your overall plan?

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Do you need to protect
your income

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to help loved ones
maintain a certain lifestyle

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or achieve retirement goals?

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Do you have existing policies
that were put in place

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at a different stage
of your life

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that may need to be updated?

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If you are unsure about
any of these questions,

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your financial advisor can help.

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By including insurance in
your planning discussions,

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you can help ensure you are on
track to meet your goals even

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when the unexpected happens.

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Here are a few items
you can discuss

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with your advisor
in your next review.

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For existing policies,
review that the owner

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and beneficiary information
is up to date.

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Review how long the coverage
lasts and if the amount

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of protection leaves a financial
gap in your current plan.

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If you have policies with cash
value, review the performance

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and if the performance
impacts the policy.

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Discuss whether you need to
add or change your coverage,

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especially if your life
circumstances have changed.

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Review the marketplace
to determine

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if there are pricing
changes or products

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that may be more cost
efficient for the same coverage.

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Your financial advisor has
access to partners and resources

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to help you make these
planning decisions.

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Additionally, if applicable,

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your advisor can
provide you information

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about other life insurance
strategies that may help

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with your planning needs.

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These include Income
tax-free distributions

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to supplement income
in retirement,

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providing long-term
care benefits,

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and ways to leave
assets tax-efficiently

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to the next generation
or planning

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for liquidity for estate taxes.

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To learn more about what
role insurance can play

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in helping you achieve
your goals -

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contact your financial advisor.