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Wealth Management Services: Life Insurance

Life insurance is a valuable component of most financial plans. Nothing else is capable of providing such large amounts of capital where it did not exist before. That's why tax laws favor paying for and benefiting from life insurance.

To achieve the long-term results you want when you purchase insurance, we apply the standard of Due Care to assess:

• Needs – based on your goals and situation
• Type of Contract that is most suitable
• Insurers – evaluation of their proposals and financial statements, to determine
  if they can keep their contractual promises
• Cost – the best value may not be the lowest premium; the lowest premium
  may cost you the most
• Risk Tolerance – to compare the policies offered and help you decide
  how much risk is reasonable

At PFS, we help you achieve three financial outcomes with life insurance policies:

1. Create an estate pool for financial support
2. Provide liquidity to pass more of what you have to whom you want
3. Accumulate wealth

Protect the ones you love.