A sound life insurance strategy can help protect your family from the financial consequences of challenging life events, and insurance can still provide one of the most tax-advantaged and leveraged methods to transfer more wealth when it comes to estate planning. And the life insurance industry has come a long way in the last few decades. New products and policies are designed to provide benefits in life, including the ability to borrow money or receive long-term care funds if you develop the need for it. (Long-term care is not covered by Medicare!)

Tremblay Financial Services in Santa Barbara has access to many types of life insurance which we provide as part of your larger overall planning. We read the fine print when it comes to policy terms and conditions. So, whether it’s term or permanent, whole or universal, we will do the research to help you manage risks while pursuing other financial objectives that are important to you. Another life insurance product that may help some people with retirement income are annuities. We’ll do the homework and see what type of insurance may fit into your financial plan.