When you are in your income earning years, you will likely have children to support, mortgage payments to make, as well as many other financial obligations. You have not had time to accumulate large sums of cash reserves. If you are the breadwinner and passed away during this stage of your life, it would be devastating to your loved ones left behind. This is the time in your life that you need life insurance the most.

As you get older, your children will eventually leave home (for the last time), you will have fewer financial obligations and you will have had time to save money. You no longer need as much life insurance. Ask your Concentric Financial Group associate to show you products that automatically accomplish this for you.

Theory of decreasing responsibility

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