A light in stormy seas

?? 1/2 But in this world nothing can be said to be certain, except death and taxes.?? 1/2
?? 1/2 Benjamin Franklin

Sunny skies and smooth sailing are not always the forecast in life. Instead, more often than not we find ourselves in turbulent waters navigating through life?? 1/2 s many uncertainties.

This is especially true in today?? 1/2 s economic climate of rising energy costs, fluctuating stock prices and a questionable housing market. These large economic woes coupled with personal risks, such as unexpected medical expenses, can threaten the stability of even the most solid financial portfolios.

Facing the threat of these storms can cause seniors to question whether their current financial integrity will wash ashore if these risks become reality. As trusted financial advisors, we serve a role similar to a lighthouse keeper. While our clients have no choice but to brave the stormy seas, wise ones will use us to guide them to today?? 1/2 s unique financial products.

Even with a wide range of financial tools at our disposal, some clients and even advisors overlook the unique power and flexibility of life insurance. Often perceived as a product that delivers value only after the person insured has passed away, properly managed life insurance can be a beacon that delivers peace of mind and financial gain not just in the future but today.

Skilled advisors should encourage senior clients and prospects facing a strain on their retirement savings to work with you to take a closer look at their existing life insurance policies. Many seniors may be pleasantly surprised to learn that an older, whole life insurance policy has built up a significant amount of cash value over time.