Life insurance cannot replace a loved one, but it can help to pay for the expenses that will still need to be paid for. Some of the expenses include a mortgage, living expenses, and education for your children. Life coverage includes, Term, Universal and whole life.

Annuities can be an important tool in planning your financial security. They have many advantages over CD’s. Annuities give a minimum interest rate guarantee, are income tax deferred, and can make sure your money does not run out upon retirement.