Protect What Matters Most

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Life often takes unexpected turns, and while we can’t always control what happens, we can prepare for it. The last thing you want is for your loved ones to face financial stress during an already difficult time.

If something were to happen to you today, would your family be financially secure tomorrow?

Life insurance provides a financial safety net for your loved ones. It can help cover:

• Mortgage or rent payments
• Everyday living expenses
• College tuition or childcare
• Medical bills or outstanding debts
• Final expenses and funeral costs
   

It offers peace of mind, knowing that your family will be cared for—even if you're no longer there to provide for them.

Whole life insurance provides permanent coverage with consistent premiums and a guaranteed death benefit. The policy also accumulates cash value, which can be accessed or borrowed against over time. Ideal for those seeking reliable, lifelong protection and a wealth-building component. 

Term life insurance offers affordable coverage for a set period (e.g., 10, 20, or 30 years). If you pass away during the term, your beneficiaries receive a tax-free death benefit. It’s ideal for those who need temporary protection, such as covering a mortgage or replacing income while raising children. 

Life insurance is not just for the elderly—it’s for anyone who wants to protect the people who depend on them. You may need life insurance if you are:

• A parent with children who rely on your income
• A homeowner with a mortgage
• A young adult building a financial foundation
• A business owner with financial responsibilities
• A spouse or partner contributing to shared income
• Someone who wants to leave a legacy or cover final expenses
   

At Sigman Family Agency, we guide you in finding the right coverage at the right time—because it’s never too early or too late to protect what matters most.

Let’s talk about how life insurance can bring peace of mind to you and your loved ones.

As parents and grandparents, we all want to give our children the best start in life—and that includes a solid education. But with college costs continuing to rise, it's more important than ever to plan ahead. That’s where a Children’s College Fund comes in.

A college fund is a savings plan designed specifically to help cover future educational expenses. Whether your child dreams of attending a four-year university, trade school, or community college, having a financial cushion can make a world of difference.

Why Start a College Fund?

• Rising Tuition Costs – College expenses have doubled over the past 20 years and are still climbing. 
• Less Student Debt – A college fund helps your child graduate with fewer loans and more freedom to start their future.
• Peace of Mind – Knowing you're financially prepared allows your child to focus on learning, not worrying.
   

Options to Consider:

• 529 College Savings Plans – These are tax-advantaged investment accounts for educational expenses. 
• Life Insurance with Cash Value – Some whole life insurance policies allow you to build cash value over time that can be used for education. 
• Education Savings Accounts (ESAs) – Another tax-advantaged option with more flexibility for expenses.
   

No matter your budget or how young your child is, it’s never too early—or too late—to start. We can help you explore the right strategy for your family, so your child’s dreams can take flight without financial strain. 

As we age, we start thinking more about how to protect our health, our savings, and our loved ones. One of the most overlooked, yet essential, parts of that protection is Long-Term Care Insurance.

None of us like to think about needing help with daily activities like bathing, dressing, or getting around. But the reality is, nearly 70% of people over age 65 will need some form of long-term care during their lifetime. And that care can be expensive—whether it’s provided at home, in an assisted living facility, or in a nursing home.

That’s where a Long-Term Care policy can make all the difference.

What is Long-Term Care Insurance?

Long-Term Care Insurance helps cover the cost of care services when you can no longer manage everyday tasks on your own due to aging, illness, or injury. It provides financial support for services not typically covered by health insurance, Medicare, or disability insurance.

Many people believe life insurance is something you don’t need to think about until later in life. The truth is, life insurance is one of the smartest and most affordable ways to plan for your future—no matter your age.

Getting coverage early not only locks in lower rates while you’re young and healthy, but it also helps build long-term financial security for your family. Whether you’re:

• A young adult starting your career
• A parent wanting to protect your children’s future
• A homeowner covering a mortgage
• Or someone planning a legacy for loved ones
   

Life insurance ensures that your family won’t face financial hardship in your absence. It can cover funeral expenses, replace lost income, pay off debts, or even leave a tax-free inheritance.

At Sigman Family Agency, we help individuals and families at every stage of life find the right coverage to fit their needs and budget.

Because it’s never too early—or too late—to protect what matters most.