Life Insurance Explained: How to Choose the Right Policy for Your Family’s Future

Protecting your loved ones starts with understanding your options. Working with an
expert who’s helped families like yours since 2008 can help explain your options in an
understandable manner .
​
Life insurance isn’t just about preparing for the unexpected, it’s about allowing your
family to maintain their lifestyle, pay off debts, and achieve their dreams, even if you’re
no longer there to provide for them. But with so many policy types available, how do you
know which one fits your needs? Let’s break it down.

​1. Term Life Insurance: Affordable Protection for Specific Goals
How it works:

• Coverage period: 10–40 years (you choose the term)
• Cost: Lowest premiums of all policy types
• Best for: Young families, mortgage payers, or anyone needing temporary coverage

Why choose it:

• Example: A 30-year-old parent might select a 20-year term to cover their child’s college years.
• Key benefit: Premiums stay fixed, and you can often renew if needed.
• Limitation: No cash value—it’s pure protection.

Think term life might be right for your family’s current needs?

---

Scheudle a Free Consultation

​2. Whole Life Insurance: Lifelong Security with Savings
How it works:

• Coverage period: Your entire life (up to age 100–105 in most cases) Cost: Higher premiums but can offer significant cash value growth
• Best for: Estate planning or those wanting predictable savings

Why choose it:

• Example: A 40-year-old might use it to fund a trust for their grandchildren.
• Key benefit: Borrow against the cash value for emergencies or opportunities.
• Limitation: Less flexible than other permanent policies.

---

Request a Personalized Quote Today

​3. Universal Life Insurance: Flexible Coverage for Changing Needs
How it works:

• Coverage period: Lifetime with adjustable premiums/death benefits
• Cost: Mid-range with interest-based cash value growth
• Best for: Business owners or those with fluctuating incomes

Why choose it:

• Key benefit: Potential for premium-free coverage if cash value grows enough.
• ​Limitation: Market rates affect growth, requiring active management.

Need flexible coverage that can adapt to your changing circumstances?

---

Give us a Call

​4. Variable Life Insurance: Investment-Linked Growth
How it works:

• Coverage period: Lifetime with market-driven cash value
• Cost: Highest risk/reward due to investment options
• Best for: Experienced investors comfortable with market swings

Why choose it:

• Example: A 50-year-old with strong market knowledge might allocate funds to stocks.
• Key benefit: Higher long-term growth potential than other policies.
• Limitation: Fees and market losses can erode value.

Ready to explore the potential for investment-linked growth with variable life
insurance? 

---

Does this strategy Align with your goals?

​5. Final Expense Insurance: Peace of Mind for Older Adults
How it works:

• Coverage period: Lifetime with smaller payouts ($2.5k–$40k)
• Cost: Low premiums, no medical exam often required
• Best for: Seniors covering funeral costs or medical bills

Why choose it:

• Example: A 70-year-old might use it to spare their children burial expenses.
• Key benefit: Easier approval for those with health issues.
• Limitation: Limited death benefit amounts.

Which Policy Fits Your Life Stage?

• Under 35: Term life (budget-friendly protection)
• 35–50: Whole/universal life (balancing family needs and savings)
• 50+: Final expense or cash-rich permanent policies

Considering final expense insurance for peace of mind?

---

Get a Straightforward Quote

Still unsure which policy aligns with your life stage? Here’s why personalized
advice matters:
Your health, debt, family size, and long-term goals all influence which policy works best. A 20-year term might seem perfect now—but what if you have another child? Universal life could adapt, while whole life would lock in lifelong rates. These nuances are where 20 years of expertise matter.
Connect with Scott at Fieldstone Financial for expert guidance and a personalized quote.

Let’s Build Your Safety Net Together
As a CERTIFIED FINANCIAL PLANNER™ and insurance specialist since 2008, I’ve
helped families:
- Compare policies from top insurers
- Avoid overpaying unnecessary premiums
- Design plans that grow with life’s changes – from marriages to retirements
​
Let’s navigate this together.

Ready to Take the Next Step?

Don't leave your family's security to chance. Schedule your free consultation with
Scott at Fieldstone Financial today or request a personalized life insurance quote
now to protect what matters most, together.

Call Scott

Email Scott

P.S. As a Financial Advisor since 2008, I’ll show you how life insurance integrates with
your:
● Retirement plan
● College savings strategy
● Estate preservation goals