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Life Insurance Ankeny IA

Do you have enough life insurance? Whether you are in a risky occupation or not, life insurance is part of a complete financial plan for everyone.

Bill Elson
3705 Grand Avenue
Des Moines, IA
Company
Company: Spectrum Financial Services
Service
Hourly Financial Planning Engagements,Fee Only Portfolio Management,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Medicaid,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Health Care Insurance,Retirement Planning

Data Provided by:
Dirk M. Dixon (RFC®), EA
(515) 285-5546
8033 University Blvd
Clive, IA
Company
Baker & Associates, LLP
Qualifications
Education: Bachelors of Business Administration with an emphasis in Finance from Grand View College 1997.
Years of Experience: 15
Membership
IARFC, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, personal Coach, Retirement Planning, Tax Planning, Tax Returns, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Business Coach, Charitable Planning, Education Plan, Healthcare Accounts, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Mr. R. John Badger (RFC®), CFP, CHFC, CLU
(515) 224-0596
936 8th Street
West Des Moines, IA
Company
Chartered Financial Services, Ltd.
Qualifications
Education: BS, MS other professional designations
Years of Experience: 37
Membership
IARFC, MDRT, FPA, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Retirement Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Education Plan, Healthcare Accounts, Charitable Foundations, BuySell, Compensation Plans

Data Provided by:
Mr. R. John Badger (RFC®), CFP, CHFC, CLU
(515) 224-0596
936 8th Street
West Des Moines, IA
Company
Chartered Financial Services, Ltd.
Qualifications
Education: BS, MS other professional designations
Years of Experience: 37
Membership
IARFC, MDRT, FPA, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Retirement Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Education Plan, Healthcare Accounts, Charitable Foundations, BuySell, Compensation Plans

Data Provided by:
Dirk M. Dixon (RFC®), EA
(515) 285-5546
8033 University Blvd
Clive, IA
Company
Baker & Associates, LLP
Qualifications
Education: Bachelors of Business Administration with an emphasis in Finance from Grand View College 1997.
Years of Experience: 15
Membership
IARFC, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, personal Coach, Retirement Planning, Tax Planning, Tax Returns, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Business Coach, Charitable Planning, Education Plan, Healthcare Accounts, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Mr. Gene Mock (RFC®), CEP, CSA
(515) 270-9736
12345 University Ave Ste 319
Clive, IA
Company
Retirement Benefit Administrators
Qualifications
Years of Experience: 30
Membership
IARFC, NICEP
Services
Invoice, Estate Planning, Retirement Planning, Medicaid Planning, Mortgage Loans, Annuities, Life Insurance, Long Term Care Insurance, Asset Protection

Data Provided by:
T. Scott Nevitt
2928 Ingersoll Avenue
Des Moines, IA
Company
Title: President/Trusted Advisor
Company: CORE Asset Management
Type
Investment Advisor Rep: Yes
Years Experience
Years Experience: 10
Service
Medicare Planning,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Hourly Financial Planning Engagements,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Medicaid,Life Insurance,Inv

Data Provided by:
The Bryton Companies
(515) 226-7605
4902 University
West Des Moines, IA
Alternate Phone Number
515 226-7605
Services
Life Settlement Broker, Viatical Broker

Craig Adamson
1000 Lindale Drive
Marion, IA
Company
Title: President
Company: Adamson Financial Planning
Type
Investment Advisor Rep: Yes
Education
BS Iowa State University 1996
Years Experience
Years Experience: 14
Service
Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Wealth Engineering,401k Rollover From Employer,Income for Life/ Preserve Principal,Medicare Planning,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Plan

Data Provided by:
Ms. Janice Y. LaBonne (RFC®), LUTCF
(563) 582-2855
2355 JF Kennedy Road
Dubuque, IA
Company
Honkamp Krueger Financial Services
Qualifications
Education: BS North Dakota State University : BusinessAAS Northland Community College : Legal Assistant
Years of Experience: 19
Membership
IARFC
Services
Invoice, Business Planning, Portfolio Management, Pension Planning, Retirement Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Long Term Care Insurance, Education Plan, Healthcare Accounts, BuySell

Data Provided by:
Data Provided by:

Life Insurance - Top Ten Most Dangerous Jobs

Provided By: 

Top Ten Most Dangerous Jobs

You might not think that you work in a dangerous job. You might just be surprised. However, according to the Bureau of Labor Statistics, the top 10 most dangerous jobs are:

  1. Timber cutters
  2. Airplane pilots
  3. Construction laborers
  4. Truck drivers
  5. Farm occupations
  6. Groundskeepers
  7. Laborers
  8. Police and detectives
  9. Carpenters
  10. Sales occupations

Groundskeepers? That one certainly wouldn't have been on any list of mine. Neither would sales occupations. After having worked in an office tower, Id have included window washers for sure. Which brings us to an important question; do you have enough life insurance? Whether you are in a risky occupation or not, life insurance is part of a complete financial plan for everyone. Having said that, if you're single and no one is depending upon your income for support, you probably don't need life insurance. But you should definitely have it if you fall into any of the following categories:

  • You're married and your spouse depends on your income
  • You have children
  • You have an aging parent or disabled relative who depends on your income
  • Your retirement savings, pension, or other cash accounts won't adequately support your loved ones after you die
  • You have a large estate and expect to owe estate taxes
  • You own a business

How do you figure out exactly how much you need? You can check out our insurance pages for more detail. Alternatively, you may want to contact an insurance agent or broker who can help you determine what type of life insurance is best for you and the amount of coverage you need.

Rule of thumb is that you should have enough life insurance to pay off your major debts. This would include your mortgage, your car loan and any other large outstanding loan (which could include credit cards). In addition, if you have children, you should factor in childcare for the surviving spouse and potentially money for college. If your spouse would not want to return to work while the children are young, you might have to factor in a living allowance for a number of years.

Keep in mind that every year your insurance needs could change. Perhaps you have a new addition to the family. Perhaps you've paid off the car loan. Maybe your oldest is now in college with a full scholarship. Review your life insurance coverage frequently and adjust as necessary. (This will be easier with term insurance than with whole life or other universal insurance .)

No matter...

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