term life georgia


Laddering Term Life Policies

The term “laddering” is commonly used with reference to financial products such as CDs, but it can also be used with life insurance. Simply put, laddering is a strategy employed to have more than one financial product “expire” or mature at different dates to benefit the owner.  With respect to CDs, this concept protects against reinvesting a large amount of money in a poor financial climate.  This concept has been applied to life insurance since the need for life insurance tends to diminish over time as debts are paid off and assets grow in value.