Stay Protected with Affordable Term Life Insurance

Life insurance is designed to protect your family or someone you care about. That can be in the form of paying off a debt, like a mortgage, replacing your income, leaving an inheritance or for estate planning purposes.

Does everyone need it? No. If you’re single and have no children then no, you do not need life insurance. If you’re married, have no debt and a lot of assets, then it’s doubtful you’ll need life insurance, unless it’s for estate planning purposes.

How much life insurance do you need?

Here is a great way to get started on that number:

1. Look at your total debt, including your mortgage balance.
2. Factor in future expenses such as college for your children.
3. Calculate how much income would need to be replaced and any burial expenses you want to cover.

Check the background of your financial advisor on FINRA’s BrokerCheck

Investment advisory and financial planning services are offered through Alphastar Capital Management, LLC; a SEC registered investment advisor. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Alphastar Capital Management, LLC is also available on the SEC’s website at adviserinfo.sec.gov. Live Free Retirement Advisor and Alphastar Capital Management, LLC are separate and independent entities. The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements.  Live Free Retirement Advisor offers insurance products through individuals licensed sell insurance.  Comments regarding guaranteed returns or income streams refer only to fixed insurance products offered by Live Free Retirement Advisor and, unless specifically stated, do not refer in any way to securities or investment advisory products offered by Alphastar.  Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company and are not offered or guaranteed by Alphastar.