Decision Tree for Life Insurance Implementation

Are you thinking about life insurance, or has an advisor made a product recommendation? This tool isn’t meant to replace an advisor as much as it’s a place to start.

If the insurance product this decision tree leads you to is different than the product your agent or advisor is recommending, there may be a good reason for it, but it may also be a good idea to ask more questions.

Do you want life insurance for a fixed number of years or do you want it to pay a death benefit whenever you die, be that tomorrow or at age 110?
Fixed # of years
For Life

Important Information: This decision tree is provided for educational purposes only. It is not a recommendation of any insurance or investment product, nor does it take into account your personal financial situation. Product availability, costs, and features may vary. Guarantees, if any, are based on the claims-paying ability of the issuing insurance company. Please consult with a licensed insurance agent or financial professional before making any decisions.


Securities offered through Valmark Securities, Inc. Member FINRA, SIPC. Investment Advisory Services offered through Valmark Advisers, Inc. a SEC Registered Investment Advisor. OC Consulting Group and its affiliates are separate entities from Valmark Securities, Inc. and Valmark Advisers, Inc.