LIFE INSURANCE Having the Right CoverageEverything changes over the course of our lives — careers change, families grow, health needs fluctuate. With each of these changes, our insurance needs evolve, as well. Unfortunately, these needs are often overlooked. The insurance policy that you purchased 10, 5, even 2 years ago should probably be re-visited and adjusted. We have years of experience with life insurance, and we will help you assess whether your current coverage is appropriate to your needs. If necessary, we will suggest beneficial adjustments. Insurance Planning Matched to Your Financial StrategyNot all insurance policies are created equal. Policies contain fees, such as mortality and expense charges. Some may contain restrictions, such as surrender periods. Depending on these and other considerations, it's quite possible that we will be able to suggest an insurance product that better fits your needs and your financial strategy. Enhancing Estate ValueWhile our primary role with most clients is that of financial advisor, Legacy Planning Group is also a licensed insurance agency. Life insurance, if properly utilized, is a powerful tool to enhance estate value. As a result it is important to analyze your current policies when creating a financial strategy or estate plan. We may offer our clients advice regarding life insurance, but you are, of course, under no obligation to follow this advice.