Providing guidance on the right amount of insurance to help your loved ones replace your lost income when you pass away.
How much life insurance will you need and what is the associated cost?
This is a common concern. The Capital CS Group provides a comprehensive analysis to guide you to the right amount of coverage while utilizing the best product for you and your family.
How much coverage will be needed to settle immediate obligations at death?
This amount will include all final expenses, uncovered medical bills, funeral and estate costs, outstanding debts, mortgage balance and college expenses, to name just a few.
How much future income is needed to sustain the household?
This is the figure you will arrive at after calculating the “present value” of cash flow streams your family will need after your passing.
Types of Life Insurance: Which is Right for You?
There are many options when deciding on what kind of life insurance you need—Universal, Whole Life, Term Life and so many more. We will assess your age and personal situation which will dictate the best coverage options for you and your family.