Generally there are two reasons why someone would want life insurance;
To cover a debt or loan, such as a mortgage on the family home or perhaps a business loan.
To replace an income, for example to replace a spouse's income should he or she die.
A single individual -- or someone who is one-half of a two-income, no-dependents household – will not likely need an abundance of life insurance, if any.
On the other hand, if you are the sole breadwinner of a family, then life insurance is essential. Once basic items such as shelter and food are covered, life insurance should be next on your list of priorities.
There are several forms of life assurance. Choosing the right one for you can depend upon a number of factors including tax, cost and the type of protection required.
In order to determine the best solution for you, meet with one of our advisers, who will asses your current situation, or issue that you want addressed, and will construct an effective affordable solution specially tailored to fit your needs.