--- title: Life Insurance description: Protect loved ones and secure your legacy with tailored life insurance—from legal valuation to needs-based planning—with compassionate guidance. --- # Life Insurance ![Image 3](https://dev.timothyjhaas.com/hs-fs/hubfs/Image%203.jpg?width=525&height=350&name=Image%203.jpg)   ### Life insurance is fundamental. Get started by sharing some information, so that we can quote and guide you through the process. Why you might want life insurance? - To protect the people you love when you're not around anymore. It's hard to believe, but we won't live forever, even though you want to stick around for a long, long time. Life insurance is the responsible thing to do. Protect the small probability of a large loss with insurance. That's what life insurance does. - Create a family legacy for the next generation or protect a family member who is dependent or disabled. - Business reasons or to secure a loan AND .... Many more reasons! ## How Much Life Insurance Is Enough? Legal Professionals answer this one way using human life value, and families answer in other ways. In our view, there are 3 ways to answer: 1. Human life value -- the legal approach 2. Assessing income replacement and goals 3. Assessing Needs vs Wants We work with our clients to educate them on these different approaches to get the right amount of coverage their comfortable with. Why pay more? But also, let's make sure you have the right amount of coverage. When you're young -- say under 55 -- term insurance is relatively inexpensive. We'll also address permanent versus term insurance. Quotes and consulation are at no charge. [The best way to be begin is completing this online confidential questionnaire](https://www.secureform.online/ocq/s2zrh54u). Don't hesitate to get started with this foundational type of insurance to your financial health and security. ![Bucket Plan Book](https://dev.timothyjhaas.com/hs-fs/hubfs/Bucket%20Plan%20Book.webp?width=336&height=336&name=Bucket%20Plan%20Book.webp)   ### Book a 15 MinuteGet AcquaintedCall Free 160 Page Book Mailed to You After Get Acquainted Call 100% Privacy. We Will Never Spam You! [![Book a Call ✆](https://no-cache.hubspot.com/cta/default/48543737/interactive-186303541866.png) ](https://dev.timothyjhaas.com/hs/cta/wi/redirect?encryptedPayload=AVxigLJV5j6BLjp1TK8lYP4J4WIAAjDiDSTNF3RfHTPX7LYZX9DfoHySrJEpZqO7gKzqbHAe939VKm0UE8s4iqBlCIoqEuQxBUWG5rz2AVbGccnK6pyrox%2BHRbuwNIFhx4N7GY4kTO03nOjTX0eanw%2FeYNz%2FT55SF658PRnehJqdKjE%2FMPA5pmicc%2FHoRVMVE1j2PGrDMRU8H1%2FN5QaBXaI%3D&webInteractiveContentId=186303541866&portalId=48543737&hsLang=en) ## Contact Office: [(203)304-9690](tel:203304-9690) Mobile: [(475) 221-4050](tel:475221-4050) 107 Church hill Road Suite 1B Sandy hook, C7 06482 [ask@waypfp.com](mailto:ask@waypfp.com) Check the background of your financial professional on FINRA's [BrokerCheck](https://brokercheck.finra.org/). We take protecting your data and privacy very seriously. As of January 1, 2020 the [California Consumer Privacy Act (CCPA)](https://www.caprivacy.org/) suggests the following link as an extra measure to safeguard your data: [Do not sell my personal information](https://www.waypfp.com/donotsellmypersonalinformation). Copyright 2025 Waypoint Financial Planning, Inc. Prosperity Capital Advisors ("PCA") is an SEC-registered investment adviser headquartered in Ohio. PCA and its representatives comply with registration requirements in all states where they conduct business or are exempt from registration. Direct communication with prospective clients will be made only by representatives who are properly registered or exempt in their state of residence. Registration does not imply a certain level of skill or training. Waypoint Financial Planning, Inc. and PCA are separate, unaffiliated entities. PCA does not provide tax or legal advice. Insurance, tax, or other services offered through Waypoint Financial Planning, Inc.  are not affiliated with PCA. Information on this website is for informational purposes only and should not be construed as investment advice. Some content may be provided by third parties and does not necessarily reflect the views of PCA. PCA is not responsible for, nor does it endorse, content on third-party websites linked here.  To verify PCA’s registration status, visit the SEC’s Investment Adviser Public Disclosure site at [www.adviserinfo.sec.gov](https://www.adviserinfo.sec.gov/). For additional details about PCA’s services and fees, refer to our Form ADV, available upon request or at [www.prosperitycapitaladvisors.com](https://www.prosperitycapitaladvisors.com/). Please review our Client Relationship Summary (Form CRS), Form ADV Part 2A, Privacy Notice, and your advisor’s ADV Part 2B for more information before investing. For more information regarding your advisor’s designations please review their ADV 2B for a detailed description.