Life Insurance

“What's @ Risk” airs every Saturday night from 11pm to midnight on WBZ and WBZ.com. Hosted by Mike Christian, CEO of Risk Strategies Company (RSC) there is often an aspect of risk incorporated into most discussions. The overriding theme of the show educates listeners and finds the opportunity in risk.

Life insurance is protection that is sometimes overlooked by the general public. The financial consequences of death can be devastating. Nothing can replace a spouse, a parent, child, brother, or sister. But, the practical and financial consequences of death are another matter. There are many planned and unplanned needs for funds that can be satisfied through life insurance.

Our philosophy is that Life, Long Term Care and Disability insurance are the foundations of any sound financial plan. In an ever changing world, whether a large business looking to insure its key executives or an individual wants to protect their family's financial future, our Life team can help. Licensed in all 50 states and with access to the leading insurers, our dedicated team works with each client to analyze their existing coverage and plan for any possible eventuality.

Common Types of Life Insurance
Term Life Insurance

Term life policies pay only a death benefit and build no cash values. The coverage lasts only as long as the policy stipulates (e.g., 5, 10, 15, or 20 years).

Permanent Life Insurance
This type of life insurance lasts for the entire life of the insured - as long as premium obligations are met. The policy owner may pay premiums as long as the insured lives, or only for a set amount of time. Permanent life policies usually build cash values in addition to providing a death benefit.

Whole Life Insurance/Ordinary Life Insurance
This is permanent life insurance that usually requires premiums to be paid for the entire time the insured is living.

Universal Life Insurance
This is a permanent life insurance policy that may have flexible premiums, cash values and adjustable death benefits.