Life Insurance is not for you, it's for others

Argh, no one likes to talk about life insurance, right? If you are talking about life insurance, you are talking about your own death and that's just not a fun topic. The reason so many people avoid insurance is that we don't buy it for ourselves. We will not benefit in any personal way from the fact that we have life insurance, but how many people have loved ones? Life insurance can mean your widow doesn't have to go back to work, or that your children will be able to go to college or buy that first house, or that your family won't have to sell the family business to pay taxes. At UPstream, we focus on what the insurance can accomplish for you, not the product itself. Isn't that what we care about after all? Also, just like everything we do, we will tell you all of the options and help you choose the right solution for your goals, not the one that will pay the biggest commission and we will always make sure you understand the costs.

Listening and Planning is where we start.

Of course, it never starts with insurance, it starts with planning, and our job is to help you identify areas of risk in your plan. The process is easy, it's the decisions that are hard. 

  • What risks in my current financial plan?
  • Am I comfortable with the risk and the impact it might have?

If you answer yes to the above questions, great, you have the knowledge and the risk is no longer scary. If your answer is no, we can work together to find ways to offset that risk,

Bad Information

Sometimes our help is really just about educating you in areas where you have been given bad information or no information. 

According to LIMRA, a worldwide research, learning and development organization:

  • 83% of consumers say they don't purchase more life insurance because it's too expensive, but consumers believe life insurance costs nearly 3 times the actual price.
  • $400 is how much most Americans believe a 20-year, $250,000 level term life policy for a healthy 30-year-old cost annually
  • $150 is how much it would actually cost.

We can provide you a simple life insurance quote from almost 50 different companies so you can pick the best priced and top-ranked life insurance carrier that fits your needs. 

Income Protection

Leaving a Legacy

Your Final Needs

Staying on Track

Most folks plan on saving some money between now and the time that they retire. What happens if our spouse passes away too soon and throws that plan into ruin? Life insurance can be an inexpensive answer to that problem.

Immediate Wealth

If you want to leave something to your family for them to continue a family tradition, build on a family dream, or even just help meet their goals, but don't want to worry about balancing your own spending to do it, life insurance can help.

Long Term Care Protection

Caring for an aging loved one or a parent can be emotionally and financially taxing. What if you are that person who needs to be taken care of? Life insurance policies can also add a long-term care rider in order to 

How can we help?

We treat every client as an individual and will meet with you to see exactly where you have needs. For some clients, we end up doing a full financial plan to help with all of the steps mentioned above. For some, you know you need to purchase insurance of some kind and we help you with the decision of what type, how much, and how to pay for it. Whatever your circumstance, our commitment is to help you right where you are. The best part is that there is not a charge to get together and talk about your concerns. If we can help, great, if not, we will give you as much information as possible and you've risked nothing by taking the time to talk.

Our goal is to help you accomplish yours, whatever that may look like in your life. Just give us a call and let us help.