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.

Life Insurance: How Much Is Enough?​

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.

Family at a Beach

Why You Need Life Insurance?

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

FunFair Family

Life Insurance to Suit Your Needs

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.

Three Generations

Is Your Current Life Insurance Coverage on Par?

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.

Cheerful Seniors

Life Insurance: Protection for All of Life's Stages

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.

First Responders Often Face Gaps in Insurance

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.

Image by Arūnas Naujokas

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

Advisory Services offered through Samra Wealth Management, a Member of Advisory Services Network, LLC. Insurance products offered through Samra Insurance. Advisory Services Network, LLC and Samra Insurance are not affiliated.  Mr. Samra is a licensed insurance agent, offering insurance products and services of unaffiliated insurance companies through Samra Insurance. If you purchase insurance products and services through Mr. Samra as an insurance agent, Mr. Samra may receive commissions or other compensation.  

This additional compensation may present a conflict of interest because it creates an incentive to recommend products and services based upon compensation, rather than on your needs. Mr. Samra will explain the costs associated with any recommendations he makes.  You have no obligation to do business with Mr. Samra in his other capacities. Please be advised that Mr. Samra strives to put his clients’ interests first and foremost.

Neither Samra Wealth Management nor Advisory Services Network, LLC gives tax or legal advice. All decisions regarding the tax implications of your investments should be made in consultation with your independent tax or legal advisor.

This site may contain links to articles or other information that may be contained on a third-party website. Advisory Services Network, LLC is not responsible for and does not control, adopt, or endorse any content contained on any third-party website or articles.

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