life insurance, protection

How will your family survive?


My son was born when I was 30 years old. Honestly, I didn’t get life insurance until I was 36. I had never been taught the importance of using Life Insurance to manage risk and protect your family. Recent studies show that I’m not alone. There is a huge gap in the level of financial literacy in the United States.


According to a recent study by LIMRA;

  • Among households with children under 18, 4 in 10 say they would suffer immediate financial trouble if a primary wage earner died today.
  • Another 3 in 10 would have trouble keeping up with basic living expenses after several months.
  • Overall, 7 in 10 of all households said they would have trouble covering everyday living expenses after several months if the primary wage earner died.


To be clear 37 million households have no life insurance… none…

Another 33 million households do not have sufficient life insurance to count themselves as protected…


Ask yourself… “How will my family be affected if something happened? Will they end up homeless, destitute, starving, unable to attend college or get a decent job?”


This is a huge gap that must be addressed and reduced. Many people say that life insurance is too expensive, but the truth is as longevity increases life insurance rates decrease. Life insurance has never been more affordable then it is today.


The likelihood that we will eventually die is… 100%. The question is what impact our death will have on those around us. What impact will our death have on those who depend on us, like spouses, or children, or elderly parents?

What about the impact your death will have if you have a special needs child? It will be catastrophic… And yet statistics show most of us are playing Russian roulette with our children’s futures.


Please reach out to me to learn how you and your family can be better protected.

If you want to discuss these issues or learn more please feel free to contact me.

Retirement Income. Tax Efficient Planning.

Life Insurance. Disability Insurance

Socially Responsible Investing


To learn more contact:
James Cox
Phone: 610 293 8309
First Financial Group 744 W Lancaster Av Suite 235 Wayne, PA 19087

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 954 Ridgebrook Rd. Suite 300, Sparks MD 21152. 410-828-5400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is an indirect, wholly-owned subsidiary of Guardian. Devon Financial Partners, LLC is not an affiliate or subsidiary of PAS or Guardian. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

2017-48484 Exp. 10/19