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Steps to Build Plan
  Step 1 - Locate policies
  Step 2 - Get educated
  Step 3 - Determine needs
  Step 4 - Evaluate policies
  Step 5 - Make changes
  Step 6 - Get help
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Life insurance

If you don't know already, the purpose of life insurance is to financially protect your loved ones in the event of your premature death, or to protect yourself should your loved one pass away. The death of a loved one is traumatic enough without having to worry about how to pay for the funeral expenses, as well as the mortgage, normal living expenses, college education for the children, etc. There is no better way to provide for your family's financial well being in the event of a death than to have life insurance, and there are no income taxes on the death benefits paid to your beneficiaries.

The real questions are how much protection do you need, how long do you need this protection, what type of life insurance should you obtain, how much will it cost, etc. The purpose of this section is to walk you through the process of evaluating your insurance needs, determining the right type and amount of protection for your loved ones, compare your needs with any insurance you already have, and help you make the changes that you need to make.

Step One - Locate your existing policies

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