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Life  Insurance

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

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​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. 

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AL, AZ, CA, CO, CT, FL, GA, IA, IL, IN, KS, LA, MI, MN, MT, NC, NM, OH, OK, PA, SC, TN, TX, UT, WA, WI, WV, WY

© 2023 River Financial Planners

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP ®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements. This site is for informational purposes only and is not intended to be a solicitation or offering of any security and: • Representatives of a Registered Broker-Dealer (“BD”) or Registered Investment Advisor (“IA”) may only conduct business in a state if the representatives and the BD or IA they represent (a) satisfy the qualification requirements of, and are approved to do business by, that state; or (b) are excluded or exempted from that state’s registration requirements. Representatives of a BD or IA are deemed to conduct business in a state to the extent that they would provide individualized responses to investor inquiries that involve (a) effecting, or attempting to effect, transactions in securities; or (b) rendering personalized investment advice for compensation.
  • Home
  • Contact Us
  • Services
    • Services
    • Financial Planning / Investment Management
    • Life Insurance
    • Long-term Care Insurance
  • About Us
  • Resources
  • Client Login