Do you have Life Insurance Policy?

September is the month of Life Insurance Awareness.  Did you know  every day about 137 people die in automobile accidents on US Highway? There are about 14,000 people die from heart attacks, Cancer or other causes.Think about it for a moment.  More of 14,000 people of all ages die every day.  Everyone of these 14,000 people leave their families with their financial obligation, all of their legal liabilities and responsibility for numerous decisions.  A decisions that can result in unnecessary expenses taxes and debt.  Decisions that can impact families the loves of their dependents and alter family dynamics for generations. Who will be guardian of their children if both parents died? It could happens in the car accidents.Who will care for a disabled or "special needs" adult when elderly pass on?Who will make healthcare and financial decisions for someone  who is in a coma?For someone who is mental incapable of making decisions for themselves.  How will debts or taxes be settled?How  will property rights be transferred?How will assets or income be shared?Decisions like these quite often results in contentious arguments and decension even animosity among heirs, creditor or business partner.Tying up income and assets in probate courts for many months or years.  It could be subject property rights continuous ligation resulting in court mandates, asset liquidations for pennies on the dollar.Unfortunately, this sort of things all the times even within the most amicable families and business relationships, because we live in a legally complicated financially complex world and most of us simply don't take the time to consider all of the legal and financial consequences, probate, inheritance, property transfers,  income provision,  Asset conversion, as well emotional impact and long term implications. These decisions will have on the people we love.How can we be sure that the right decisions will be made? How can we protect our families from inheriting our financial obligations and our legal liabilities?With our Life Insurance Agents, We can careful arrangements and instructions for how you wanted when you pass on.If you are on Life Support to organ donation to your Funeral Memorial Service. You can carefully select the beneficiary designations to the financial security of your dependents. Asset  valuation and property transfers, valuations protection against legal liabilities and potential tax implications. Your beneficiary can put it in charitable bequest for you religious community to an educational endowment for your college or university.Our life insurance agent can enable you to control what happens after you gone to the people and things that are important to you.  It is different for everyone but it always begins with organizing all of your records and discussing all of the "what if" scenarios with life insurance agent.The entire process takes about 45 minutes to 1 hour of your time to discussed. It is something that we all need to do. It is intelligent things to do to support the families. It is regardless of our age, our assets, our liabilities. It is not something we only do it once and forget about it. The tax laws changes family situation, business issues, debt obligations and asset values too. This is why our agents needs to be reviewed every 2 to 4 years throughout your lives. It is never too much to have life insurance.Ask yourselves this... Knowing that you could be 1 of 14,000 people that could die every day and your family will inherit, all of your financial obligations and legal responsibilities. Does this makes good sense to put off making your own final finances to your family? or put off a simple review of your policy? or Does it make better sense to consider all the issues conversions or tax obligations to make all the arrangements and put it together all of the proper documentation? Our office will make it happens for you.  Call Ken, to schedule an appointment to discuss your financial situation or review your life insurance policy.  Call 203-450-6529 website: kenlifeinsurance.com or email: ken@kenlifeinsurance.com