Life insurance should be an essential part of any financial plan. Its primary purpose is to give your loved ones the protection needed to ease the financial burden of death. In this capacity, the proceeds can be used to help meet your kid's college expenses, help ensure a comfortable retirement, or assist with the payment of any outstanding debts including paying off the mortgage of your house. In addition to providing the necessary death protection, certain policies offer income tax-deferred cash value accumulation potential, providing you with a possible funding source (via loans or withdrawals) for future needs. Life insurance is also used by businesses to fund Buy/Sell Agreements between business partners. Another type of life insurance is Keyman Insurance which is bought for key employees. This type of insurance provides financial strength to a business/company in the event of death of the key employee. At Dennis Charley & Associates, Inc., we represent only the top-rated life insurance carriers. We meet with you for a personal financial review, help you determine your needs, set goals to help you meet those needs, and communicate important ideas to you.We will quote prices on several insurance products, and together decide which is best for your individual needs. We are dedicated to providing quality products that offer long-term value to our clients!