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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Samra Wealth Management, A Member of Advisory Services Network, LLC.  All information contained herein is derived from sources deemed to be reliable but cannot be guaranteed.  All economic and performance data is historical and not indicative of future results.  All views/opinions expressed herein are solely those of the author and do not reflect the views/opinions held by Advisory Services Network, LLC. The information and material contained herein is of a general nature and is intended for educational purposes only.  This does not constitute a recommendation or a solicitation or offer of the purchase or sale of securities. Before investing or using any strategy, individuals should consult with their tax, legal, or financial advisor.

© 2018 by SAMRA WEALTH MANAGEMENT, A Member of Advisory Services Network, LLC.

Life Insurance

We take the guesswork out of insurance planning by identifying gaps in coverage and areas of over insurance.  We work with your insurance company to implement coverage that aligns with the needs of your family or business.  We are able to maximize coverage by creating hybrid insurance models.  With a ratio of whole life permanent insurance with term life coverage, we ensure our clients have adequate coverage while minimizing expenses.  In partnership with your insurance agent(s), effective insurance planning can help with:

 

  • Replacing the income of a deceased/incapacitated spouse or family member.

  • Negotiating a divorce settlement.

  • Funding a Buy-Sell Agreement: a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or is otherwise forced to leave the business, or chooses to leave the business.

  • A collateral assignment: a conditional assignment appointing a lender as the primary beneficiary of a death benefit to use as collateral for a loan. If the borrower is unable to pay, the lender can cash in the life insurance policy and recover what is owed.

  • Tax & Estate Planning.

Family at a Beach

As your life changes, your financial needs often change, as well. Regardless of whether you are just starting out in life, are in mid-career, or are at the peak of your earning years, life insurance can help you achieve a variety of financial goals. The following scenarios help illustrate some of the common ways that life insurance can help protect you and your family at key stages of life.

Life Insurance: How Much Is Enough?​

FunFair Family

 Many people often ask, “Who needs life insurance?” Another way to phrase the question might be: “What can life insurance help me accomplish?” 

Why You Need Life Insurance?

Three Generations

Life insurance is an important part of many financial protection programs. As you consider the wide array of life insurance coverage available, you may wonder what type of insurance really fits your current needs, and what you should plan for to help meet your future needs.

Life Insurance to Suit Your Needs

Cheerful Seniors

When Steve Williamson purchased his life insurance policy several years ago, he assumed that his life insurance planning was complete. If Steve paid his premiums on time, he figured he could just sit back and not need to think about life insurance anymore.

Is Your Current Life Insurance Coverage on Par?

As your life changes, your financial needs often change, as well. Regardless of whether you are just starting out in life, are in mid-career, or are at the peak of your earning years, life insurance can help you achieve a variety of financial goals. The following scenarios help illustrate some of the common ways that life insurance can help protect you and your family at key stages of life.

Life Insurance: Protection for All of Life's Stages

Image by Arūnas Naujokas

As a first responder, you may face gaps in your insurance or workers' compensation coverage that can leave your family financially insecure if you are injured or disabled. Read this article to understand the risks and what you can do to protect your family.

First Responders Often Face Gaps in Insurance

Insurance products and services offered by licensed insurance agents.  Advisory Services Network, LLC does not provide insurance products and services.