Life Insurance

  • How much life insurance do I need?
  • What type of policy is best?
  • Is it still a good choice to pay on my old policy? I’m not sure what type of policy I currently own.

These questions are very common, yet with a few simple comments, you can know the answer. Call us to find the best option for your life insurance needs.

For many people, the lowest cost life insurance is a term policy that lasts for a specific number of years, like 15, 20 or 30. The premium is considered level, which means the premium is the same amount each year and cannot increase over the term of the policy.

Other people may need a cash value life insurance policy for estate, business, or end-of-life planning. There are several ways to structure these policies. In general, the goal is to either maximize the death benefit for the minimum amount of premium or maximize the cash value while maintaining a reasonable death benefit.

Request a Quote

For a Life Insurance or Long-Term Care Insurance Quote, simply contact our office and we would be happy to compare available options! Or fill out the contact form today under the subject Request a Quote,​ and we'll get back to you as soon as possible!

    Request a Quote

​River Financial Planners
Kalamazoo: (269) 679-2636 | Manistee: (231) 723-9440 | Norton Shores: (231) 798-0007

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Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. 

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