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The Gift of Life Insurance

Life is full of its ups and downs. You can be here today and gone tomorrow. It is crucial to have your estate planning taken care of prior to your passing because many people die without having a will to document their final wishes regarding their assets. This can leave an estate in probate for months or even years. HCR Wealth Advisors meets with clients to develop a strategy to help them reach their financial goals. This can help individuals chart a path that can help them manage their money wisely.

Many households today rely on two incomes to get by and are underwater in debt from credit cards and student loans. Life insurance is a gift that can protect your family from financial hardship when you die.

Losing an income stream can quickly cripple a family’s household finances. Life insurance is a great investment to make when you are young because the monthly premiums are typically lower if you are young and have no health issues. HCR Wealth Advisors can help you find a policy to fit your needs and budget. If you die, then your beneficiaries receive a check for the value of the policy.

The two types of life insurance that are available for purchase through HCR Wealth Advisors are term and permanent. A term policy can be great for parents who want to ensure that their children are able to maintain their lifestyle for their entire childhood. You can select a ten or twenty year policy and pay a premium each month until the policy’s end date is reached. Permanent policies have ongoing monthly premiums that are paid for as long as the policy holder is alive and the policy is effective until the individual dies.

HCR Wealth Advisors has many knowledgeable employees who can help protect clients against risk. In today’s world, it is important to be proactive with your financial strategies so that your family can thrive and you can have peace of mind. Life insurance is very affordable and can protect your family when you are gone. Why put off until tomorrow what you can accomplish today? HCR Wealth Advisors is not associated with this website.

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