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Frequently Asked Questions
Common Questions Answered for your convenience.
What is life insurance and why do I need it?
Life insurance provides financial security for your loved ones in the event of your death. It can help cover funeral expenses, debt, and ongoing living costs, ensuring your family’s future is protected.
How much life insurance coverage do I need?
A good starting point is 10–12 times your annual income, but the exact amount depends on your family’s needs, debts, income replacement goals, and future financial plans.
What types of life insurance are available?
The most common types are term life (coverage for a set time) and permanent life (lifetime coverage with cash value, such as whole or universal life). Each serves different financial goals.
What is an annuity and how does it work?
An annuity is a product that provides a steady income in retirement. You contribute money now, and in return, it pays you back in regular payments later—often for life.
Why should I consider an annuity for retirement?
Annuities offer guaranteed income, tax-deferred growth, and protection from market losses—making them ideal for people who want peace of mind and income they won’t outlive.
When should I start planning for retirement?
The earlier, the better. Starting now gives your money time to grow through compounding, and it helps ensure you’re prepared for both expected and unexpected expenses in retirement.