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Insurance, Protecting Your Loved OnesForney SpacerForney Spacer

Life Insurance

Life Insurance is one of the most powerful tools you can use long after you have passed. It's important to consider the following:

Confidence Takes Planning - Few things give investors more than knowing that the assets they have worked so hard to accumulate over the years have been planned for their heirs. They are entitled to know that they have control over what happens to their estates when they die. Whether it's providing income for a spouse, educating children or grandchildren, or leaving money to a favorite charity, we all want to know that the proceeds from our estates will be used to fulfill our wishes.

Plan to Keep the Money that You have Earned - Without planning, huge estates are often sacrificed to taxes. How often do we read about situations in which sizeable estates are reduced by millions because of estate taxes? It's sad but it happens frequently. Estate taxes can devour a substantial percentage of an estate. The law requires that these taxes be paid in cash, usually within nine months after death. If most of the estate's holdings are in real estate or other illiquid investments, heirs may have trouble raising cash to pay the estate taxes.

Life Insurance is Becoming More and More Complex - What type of policy makes the most sense for you? Term? Whole life? Variable life? Universal life? How much coverage is enough? Is your existing policy the right fit for you? These are all questions that can only be answered by examining you individual case. We would be happy to look at your situation and determine what is the best fit for you....your legacy depends on it.


Existing Life


FFS Insurance

Forney Financial offers a wide range of individual insurance, including:

  • Various life insurance solutions, including term life*, guaranteed universal life*, universal life*, variable universal life and whole life*
  • Life insurance can also facilitate buy-sell arrangements and keyman insurance
  • Disability Insurance*
  • Simplified Issue Disability Insurance*
  • Long-Term-Care Insurance*

Do You Need Life Insurance

Raymond James is not affiliated with and does not endorse, authorize or sponsor the proceeding website or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

                                                                                                                        *Services not offered through Raymond James.



Securities offered through
Raymond James Financial Services, Inc. Member FINRA/SIPC

Forney Financial Solutions is independent of Raymond James
3018 Pleasant Valley Boulevard, Altoona, PA 16602 | info@forneyfs.com | 814-944-8474 or 888-9-FORNEY

Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

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