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Life Insurance

Life insurance is generally used to safeguard a stream of income for your family members and/or to provide added liquidity to help settle the obligations of your estate. Having too little insurance will likely result in your legacy objectives not being met and having too much insurance will be a waste of valuable resources. So how much coverage is enough and what type of coverage makes sense?

That’s where we come in…

Our insurance-needs analysis will help you find the right balance between “too little” and “too much.” During this analysis process we will consider the following factors:

-  The lifetime income needs of your spouse.

-  The support needs of your children, including living expenses, education costs and (possibly) enterprise seed money.

-  The amount of outstanding obligations.

-  The likely rate of return to be earned on the life insurance proceeds portfolio.

After the amount of insurance coverage is determined, the next step is deciding upon the best policy-type. Here, the choice is dependent upon your personal needs, time horizon, risk profile, tax bracket and savings discipline.

We will look at a number of different alternatives and come up with a short list that best matches your personal variables. The right policy with the right investment choices at the right cost can have a significant impact on your intermediate and long-term net worth.

How to get started…

Please contact Jack Cunningham of Cunningham & Associates to set up a meeting to discuss your life insurance needs and our insurance analysis and planning services . . . 248-952-1502 (ext. 224) or This email address is being protected from spambots. You need JavaScript enabled to view it.

 

Contact Details

 
Contact our personnel via e-mail:

Jack Cunningham

Patrick Cunningham

Mary Lehman

Melissa Nachazel

Anne Butterbaugh

This email address is being protected from spambots. You need JavaScript enabled to view it.

This email address is being protected from spambots. You need JavaScript enabled to view it.

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This email address is being protected from spambots. You need JavaScript enabled to view it.

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