The technicalities of life insurance can make it difficult to understand. Many clients are overwhelmed, or unsure about which option is best in terms of cost, coverage and meeting their goals.

Whether it is a front-line supervisor that runs the crews or organizes the work, a sales manager that creates and maintains customer relationships, or the owner of the company, the absence of a key person could place the success, or even survival, of a business in danger.  

Life insurance is the foundation of solid financial plan and it is important to make sure that you and your family are protected if there is an unexpected death. While each family has a unique situation that will determine their insurance needs, there are some factors that hold true for most people.

Disability insurance is designed to help you and your family cope financially in the event that you become disabled and are unable to work. The purpose of this type of insurance is to protect your earning potential, therefore protecting your savings and lifestyle.