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Hester Insurance Group, LLC and Spearhead Capital, LLC, are not affiliated by ownership.

Traditional Life Insurance

It is essential to prepare for the unthinkable. Making certain that our loved ones are not burdened by unfortunate circumstances is a critical decision in any form of financial planning for wealth creation and preservation.

Insurance 101

So Why Life Insurance?

Life insurance, at it's core, is a means to protect the financial future of your loved ones against an unexpected death. Life insurance can also be essential as a supplemental savings tool and for estate preservation.

There are numerous ways to accomplish your financial goals. However, the foundation of any successful financial plan starts with risk management. A properly structured life insurance portfolio is an attractive risk management strategy with tax-free death benefits to beneficiaries. Life insurance can hedge against a loss of your income, satisfy major financial obligations (debts, loans), financial goals (education, spousal retirement) and any final expenses that may arise upon a death. Dependent upon your needs, there are a variety of life insurance products to choose from.