Here Bryon Pearman answers the questions people most frequently ask him about life insurance and financial planning.

Do I need life insurance?

If you love someone or if you owe money, then the simple answer is, Yes. In my experience, I’ve never heard anyone say after the death of a loved one, “I’ve got too much money.” What I have heard people say is, “We should have done more.” I use a needs analysis survey to help my clients identify just how much insurance they need and apply that information to come up with a balance between premiums and benefits.

What kind of life insurance should I buy?

That’s a big question that requires discussion to answer. Really, the important issue is determining the right amount of death benefit so that your family is adequately covered. The type of insurance is secondary to that. I can help you weigh the benefits of term versus permanent life insurance as you consider these important questions.

What happens if changes occur that affect my plan?

That is a really, really good question. I know that economic, tax changes, family dynamics and a variety of other factors can affect your plan and ultimately impact your ability to reach your goals. We set a direction, review regularly and will change course if necessary. As life changes, we want to accommodate those changes. Your peace of mind is important to me.

What services do you provide as an Assante advisor?

I provide my clients with solid, customized financial solutions, including estate planning, retirement planning, employee benefits and health insurance.

When did you become an advisor?

I became an advisor in October of 1994. Since that time, I have been working with clients to help them attain their financial security.

Why should I work with you for my investment and insurance needs?

My reputation is based on integrity. My clients put their trust in me. As an Assante advisor, I can handle a wide-range of financial and insurance solutions. I have a long history of providing Alberta, British Columbia and Saskatchewan insurance and financial solutions to my clients. No matter what your financial or insurance needs may be, I can help you find a solution.