SUBSCRIBE
Enter your Name and Email address to get
the newsletter delivered to your inbox.
Please include name of person that directed you to my online newsletter so I can thank them personally.
January/February 2026
Experiencing or Expecting Changes in Life?
From marriage to retirement, life's events will likely alter your life insurance needs. How much life insurance do you need and why do you need it at various times in your life? Let's look at some of life's stages and how life insurance may play a role during these times.
Just Married
If you're young and newly married, you probably feel invincible and question the need for life insurance. But even if you think you can tempt fate because time is on your side, you might want to consider whole life insurance during this time. You're young, when life insurance is least expensive. And if you purchase whole life insurance, premiums will never increase, and you'll keep the policy even in ill health as long as you pay premiums on time.New Baby
Having your first child? Second? Third or more?Let's face it, children are expensive. Counting college expenses, they can cost hundreds of thousands of dollars each before going out on their own. Carrying an appropriate amount of life insurance can ensure your financial plans will continue if you are no longer here to fund them.
Blended Families
Families come in all shapes and sizes, and many combine their resources and their love in second marriages and beyond. You'll want to talk to an estate planning attorney to sort some items out, but you will undoubtedly have complicated life insurance needs, too. From housing and college to everyday expenses and income replacement, life insurance can provide a financial safety net for loved ones.Empty Nest
With the children out of the house and on their own, you and your spouse may have a lesser immediate need for life insurance. You may still, however, want to provide for a surviving spouse. If you have built up cash value* in a life insurance policy over the years, you can use this cash to supplement your retirement income. Or you can maintain a life insurance policy to leave as an income-taxfree legacy to loved ones.Talk to your financial professional to learn more about your life insurance needs.
* Cash value may be accessed through loans and withdrawals, which will reduce the policy's cash value and death benefit and increase the chance that the policy may lapse.
CONTACT US
Enter your Name, Email Address and a short message. We'll respond to you as soon as possible.
Adan H. Diaz and Bryce McLeish offer products and services using the following business names: FRESCO Financial Advisers – insurance and financial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC – securities and investments | Ameritas Advisory Services (AAS) – investment advisory services. AIC and AAS are not affiliated with FRESCO Financial Advisers. The information you provide us is the basis for the recommendations we make to help you meet your unique financial goals and objectives. If you experience a change in your financial situation or investment objectives, or if you wish to modify or add any restrictions concerning the management of your account, please contact us. Products and services are limited to residents of states where the representative is registered. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.
FRESCO Financial Advisers and LTM Marketing Solutions, LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Solutions, LLC, an unrelated third party. Articles are not written or produced by the named representative.
The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.