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Manny Gonzalez, II, AIF®
Investment Advisor Representative
Signature Financial Group, LLC
9150 South Hills Blvd, Suite 200
Broadview Heights, OH 44147
Phone: 216-642-9556 Ext. 320
Fax: 216-642-5508
Cell: 440-731-0321
Text: 440-583-6146
Email: mgonzalez@sfg4you.com
Website: MGONZALEZWEALTH.COM
September/October 2026
As Life Evolves, Your Insurance Should Too
September has traditionally been designated as life insurance month to remind you to review any changes in your personal circumstances that might affect your life insurance* needs. Here are several events that could prompt a reassessment.
Tying the Knot
Even if you're young and just starting out, you may make financial decisions based on the combined incomes of you and your spouse. If one spouse dies, life insurance can help ensure that the surviving spouse has enough money to maintain the current standard of living. Additionally, the cash value that accrues in a permanent life policy could be used in the future to pay off a mortgage or other debt.Starting a Family
Life insurance proceeds can cover clothing, daycare, college expenses, and other costs of raising a child. Both parents should have coverage. If one parent dies, the surviving parent will have the funds needed to provide for the children. Single parents can also purchase a policy, naming a child as the beneficiary and appointing a trustee to oversee the distribution of funds.Protecting Your Business
If you own a business, you'll want to ensure that the limits of your life insurance policy are sufficient to cover any business debts. Buying adequate coverage will prevent your family from having to liquidate assets to pay your creditors.Help with Estate Planning
Life insurance proceeds can provide cash to pay medical bills, burial expenses, and estate settlement costs. If you have a large estate, funds can be used to pay any estate taxes owed.Your financial and life insurance professionals can help you choose appropriate coverage for your needs and lifestyle.
*Applications for life insurance are subject to underwriting. No insurance coverage exists unless a policy is issued and the required premium to put it in force is paid. Accessing cash values may result in surrender fees and charges and may require additional premium payments to maintain coverage and will reduce the death benefit and policy values and may have tax consequences. Guarantees are based on the claims-paying ability of the issuer.
Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Additional advisory services offered through Signature Equity Partners, LLC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.
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