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Why Do I Need Life Insurance? Bossier City LA

The reasoning behind life insurance is most evident when you consider sole breadwinners, but applies to everyone who has dependents, even stay-at-home spouses. If you (as the stay-at-home spouse) were to suddenly die, your family would have to find other ways to: ensure care of children; get the family home cleaned; handle dry cleaning and laundry; do grocery shopping; and many other tasks which you currently handle.

David Bryan Romero (RFC®), CHFC
(318) 795-0660
8848 Youree Drive
Shreveport, LA
Company
Executive Financial Group
Qualifications
Education: Business Background
Years of Experience: 23
Membership
IARFC, MDRT, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CommOptions, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Healthcare Accounts, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Dwight Fontana
2895 Highway 190, Suite 224
Mandeville, LA
Company
Title: Registered Representative Investments
Company: Lasalle St. Securities LLC., Member FINRA / SIPC
Education
Bachelor of Science,1980
University of New Orleans
Business Administration
Years Experience
Years Experience: 26
Service
Wealth Management,Life Insurance,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Health Care Insurance,Retirement Planning,Investment Consulting & Allocation Design,Planning For Personal Finances & Budgeting,Asset Protection Strategies & Planning,Alternative Investments,Annuities,Long-Term Health Care Planning,Insurance & Risk Management Planning,Retirement Income Accumulation Planning

Data Provided by:
Renee Pastor
3850 N. Causeway Blvd. #1070
Metairie, LA
Company
Title: Managing Director
Company: Morgan Keegan
Type
Investment Advisor Rep: Yes
Education
B.S. Finance/University of New Orleans/1985
Years Experience
Years Experience: 20
Service
Investment & Portfolio Management,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Retirement Planning,Long-Term Health Care Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Annuities,Alternative Asset Class Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Life Insurance

Data Provided by:
William M. Stewart (RFC®), CSA, LUTCF
(985) 809-0530
6 Ivy Lane
Covington, LA
Company
WMS Group
Qualifications
Years of Experience: 22
Membership
IARFC, NAPFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, personal Coach, 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, Business Coach, Education Plan, Healthcare Accounts, BuySell, Compensation Plans

Data Provided by:
Mr. Mark K. Mauer (RFC®), LUTCF
(985) 626-6969
1228 Florida Street
Mandeville, LA
Company
Mauer Financial Group, LLC
Qualifications
Education: BA
Years of Experience: 26
Membership
IARFC, MDRT, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, personal Coach, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, Employee Benefits, Mutual Funds, CommOptions, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Business Coach, Education Plan, Healthcare Accounts, Charitable Foundations, Asset Protection, LiabCover

Data Provided by:
New York Life Insurance
(318) 227-5013
401 Edwards St Ste 1700
Shreveport, LA
 
Oscar Lee Nugent (RFC®), MBA
(985) 649-1930
659 Old Spanish Trail
Slidell, LA
Company
Wealth Management & Planning Group
Qualifications
Education: MBA, AXA Advisors financial planning certification.
Years of Experience: 25
Membership
IARFC, FPA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, Executive Compensation Planning, Retirement Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Group Insurance, Charitable Planning, Education Plan, Charitable Foundations, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Mr. John E. Worrel (RFC®), LUTCF
(504) 831-4494
3200 Ridgelake Drive, Suite 215
Metairie, LA
Company
Acacia Financial Group, LLC
Qualifications
Years of Experience: 15
Membership
IARFC, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Education Plan, Asset Protection, BuySell

Data Provided by:
Fred Palmer
39394 Bradbury Lane
Prairieville, LA
Company
Title: Managing Director
Company: Strategic Financial Partners, LLC
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Service
Portfolio Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,Life Insurance,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Fee-Only Comprehensive Financial Planning,Fee Only Portfolio Management,401k Rollover From Employer,Wealth Management,Investment & Portfolio Management,Business Succession & Liquidation Planning,Estate Tax Planning,Hourly Financial Planning Engagements,Pension for Highly Compensated Owners,Income for Life/

Data Provided by:
Mark Holmes
4609 bluebonnet blvd. suite A
baton rouge, LA
Service
Retirement Planning,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Business Successi

Data Provided by:
Data Provided by:

Why Do I Need Life Insurance?

Provided By: 

Why Do I Need Life Insurance?

You need life insurance in order to ensure that your loved ones can cope financially with your loss. That's the bottom line.

The reasoning behind life insurance is most evident when you consider sole breadwinners, but applies to everyone who has dependents, even stay-at-home spouses. If you (as the stay-at-home spouse) were to suddenly die, your family would have to find other ways to: ensure care of children; get the family home cleaned; handle dry cleaning and laundry; do grocery shopping; and many other tasks which you currently handle. While your services appear to be 'low cost' because no one is paying you directly, if your family has to replace you with paid help you will quickly see your 'value'.

In addition, funerals are expensive. An average funeral can set you back between $8,000 and $10,000 considering the funeral home services, casket, burial plot and headstone. This is part of what you want to insure yourself against. You can bundle in these costs when you consider a life insurance policy's total benefit amount that you insure yourself for.

While you can buy life insurance policies which are a small amount suitable only to cover funeral costs, you will generally need much more life insurance than that. Many of these life insurance policies look good because of low prices, but you have to look closely. For the dollar amount of coverage you get, it is generally a more expensive life insurance policy.

Some people who...

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