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Christiansen Financial is a Network of financial products & resources

thoughtfully researched, organized and presented by

Shaun N. Christiansen, MPA, Financial Advisor

Term life insurance is the simplest and often most affordable form of life insurance. Simply called "term" this form of life insurance offers temporary coverage for a specific period of time (the "term") such as 10, 20 or 30 years. As long as the premium payments are paid on time, the chosen insurance company will pay the "face amount" of the policy to the policies beneficiaries if the insured dies during the term. Many term life insurance policies allow the insured to convert all or a portion of their policy to permanent life insurance at a future date with no medical questions.

Term life insurance is often used to provide affordable financial coverage for temporary financial needs such as a mortage, raising children or protecting income during working years.
Whether it is called permanent, cash value or whole life, this form of life insurance provides lifelong insurance coverage with a guaranteed death benefit and includes an equity cash value component that grows tax deferred over time. Cash value “inside” a life insurance policy can be used as a flexible financial instrument that can create tax-free income in retirement, maximize 401(k) income and even efficiently settle an estate and leave a legacy.

Permanent life insurance is best designed efficient outcomes for unavoidable financial obligations such as tax and estate planning or a sophisticated retirement income strategy.
Disability income insurance protects your biggest financial asset - your income – if you become sick or disabled and cannot earn.

“DI” insurance stabilizes income in the face of unforeseen circumstances so that you do not need to empty emergency savings, tap into retirement accounts or worse – borrow money - when physically unable to work. Instead of returning to work having to repair the damage by paying off debt or rebuilding savings repurpose those those same funds for retirement or other desires.
This is the space to describe the service and explain how customers or clients can benefit from it. It’s an opportunity to add a short description that includes relevant details, like pricing, duration, location and how to book the service.
This is the space to describe the service and explain how customers or clients can benefit from it. It’s an opportunity to add a short description that includes relevant details, like pricing, duration, location and how to book the service.
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This is the space to describe the service and explain how customers or clients can benefit from it. It’s an opportunity to add a short description that includes relevant details, like pricing, duration, location and how to book the service.