Emergency Only Medical Insurance Health Insurance
Almost everyone needs emergency only medical insurance health insurance. Whether it’s to pay off debts, ensure the family income and standard of living, make sure college can be paid for, leave a bequest to charity, provide liquidity for a business or real estate, or hedge against the return of estate taxes. Most of our clients need at least some life insurance. At the same time, two people who are outwardly similar may have very different needs, cash flows, risk tolerances, and so forth. For many people, the biggest decision is not the amount of insurance—it’s how to pay for the insurance they need.
That brings up the term versus permanent life insurance consideration.
In some cases, the need for insurance is temporary—maybe for the next 20 years, until the house is paid for and the kids have left the nest. In other cases, the need may be for a longer term—maybe until a business interest is sold. The need may,
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