Tom Meaglia, ChFC®

Chartered Financial Consultant


Investment Advisor Representative

CA Insurance Lic. #0567507

Meaglia Financial Consulting

2105 Foothill Blvd., #B140, La Verne, CA 91750

Toll Free: 800-386-3700

Bus: 909-593-6105

Cell: 818-681-8600

Fax: 909-593-6120



March/April 2019

Life Changing? Revisit Life Insurance

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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 take a 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-tax-free 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.


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Investment advisory services offered through Fusion Capital Management, an SEC Registered Investment Advisor. 9111 Cypress Waters Blvd., Ste 140, Dallas, TX 75019.
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