Life Insurance Needs Analysis

AFS representatives compile existing insurance policies to determine if the benefit (outlined in the policy) is in keeping with debt repayment and income requirements of clients at death. Recommendations are then made as to the amount of insurance required to cover loss of income to the household, and to pay off debt that is currently being paid from the earned income of the insured. In some cases clients are over insured, which generally results in a recommendation to reduce coverage.