Life Insurance

Life insurance isn’t for you — it’s for those you leave behind.

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If helping loved ones maintain a standard of living, and avoid financial hardships after your passing is a priority for you, life insurance can help. A general rule is that you may want to seek coverage between five and seven times your gross annual income. As far as the various types of policies go, they can generally be placed into one of two categories: term and permanent.

Term insurance generally provides coverage for a specified period of time and pays out a specified amount of coverage to your beneficiaries only if you die within that time period. A permanent insurance policy, on the other hand, will stay permanently in effect for the rest of your life, as long as premiums continue to be paid.

Life insurance policies are contracts between your client and an insurance company and the policy guarantees rely on the financial strength and claims-paying ability of the issuing insurer.

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

Investment advisory services may be offered through Global Financial Private Capital LLC, an SEC Registered Investment Adviser, or Howard Bailey Securities LLC, a Registered Investment Adviser.