1. Are you looking for the greatest face amount of death protection that term insurance provides or a cash value policy that requires at least 15 years to grow sufficient after-tax cash surrender value to beat a “buy-term-and-invest-the-rest approach”?
2. Does the policy offer guaranteed renewability, decreasing term, or convertible options?
3. Are you getting the preferred rate or lowest available marketed rate?
4. What are your needs relative to the products that your insurance agent is suggesting?
5. Determine if the amount of income you are replacing will be enough?
Call Sage Capone today at 808-753-1868 for a free consultation to determine your needs assessment.