Let me start with what seems to be an unusual statement: there are many situations when people don’t need life insurance. (Sales reps weep . . .) I’m open to the idea, and I’ve advised clients of this.

A sensible approach to life insurance begins with an honest, perhaps uncomfortable, question:

Do you want to leave money to someone who depends upon you if you die unexpectedly?

If you answered “yes,” life insurance is one reasonable tool for accomplishing your wish. Life insurance helps you provide for people you love after you’re gone. It really is that simple, and it really does work. I’ve delivered the checks.

Some loved ones use the money to transition through the grieving period by paying funeral expenses, taking more time off work, or visiting family and friends. Others use it for larger, longer term goals like paying off debts, replacing income, education, or caring for the kids. In short, it’s helpful.

So, if you are interested in leaving money to someone who depends on you, if you want to know how life insurance can help, let’s book a time.

Here’s what happens:

• We’ll discuss to what you’re trying to accomplish.
• I’ll answer your questions.
• I’ll check with multiple carriers to give you a solid sense of your options and costs.
• If necessary, I’ll make the extra call to underwriters to investigate for special concerns (Hanglider? Surgery?)

I can’t guarantee I’ll sell you a policy, but I can guarantee professional help as you think through what’s right for you.