Protect What Matters to You with a Life Insurance

None of us want to think about what happens when we die, but if you have a family, a business or others depending on you it’s something you should have planned. At Cardona & Company, we pride ourselves on serving the diverse and complex needs of clients who hope to protect business and family assets after they pass away.

We are not just in the business of selling insurance policies. We thrive because we tailor life insurance solutions to help our clients transfer wealth to the next generation, protect business assets, and minimize both tax bills and the possibility of family squabbles.

In fact, more than 35% of Americans do not have Life Insurance and of the ones that do, 33% do not have enough. Here are some examples of life stages or events that might trigger the need for you to look at getting life insurance:

• Marriage
• Being or Becoming a Parent
• Homeowner/Business Owner
• Changing Jobs
• Retired or Planning for Retirement
• Buying a Business
• Planning your Estate

These are the basic types of life insurance products that we discuss with our clients:

• Term Life: Provides the least expensive coverage for a specific amount of time, usually 10 to 30 years.
• Whole Life: Provides lifetime permanent coverage while building cash value and having guarantees.
• Universal Life Insurance: A more complex product that is more flexible. These policies are usually designed to be permanent products that allow you to build cash value through a number of different crediting methods.

Life insurance policies also have other uses, and we urge you to discuss the use of policies to help with tax and estate planning, building a cash-value asset and more. 

Get Help Selecting the Best Life Insurance

At Cardona & Company, an independent insurance broker, we work for our clients and not any particular insurance company. We focus on evaluating our client’s unique needs and comparing quality life insurance companies to ensure that each client gets the best value. If you want to purchase coverage to protect your spouse and children, help transfer an estate, or preserve a business, contact us at your earliest convenience for a chat.