Capstone Investments – Sept 17 2025
By Bryce Pease CFP® Accredited Investment Fiduciary® Casey Morris CFP® Capstone Pacific Investment Strategies, Inc. California, Colorado, Nebraska
The world of finance and insurance can be quite frustrating, expensive—and frankly confusing. Much misinformation exists “out there.”
One of the responsibilities I take seriously is educating people, empowering each one with facts versus fear so they can take ownership in financial decisions, hence this article. Today, let’s talk about life insurance.
Now, I fully realize this topic is not very exciting, and I know you did not wake up today and leap out of bed thrilled with the prospect of learning about life insurance.
However, be honest with yourself. Many of us know that we need life insurance. Oftentimes insurance may protect us in case of loss of income due to the death of the main family bread winner. That is the simplest definition of and reason for having life insurance. Adequate insurance coverage can help ensure that your family will have sufficient income to survive a devastating loss. To meet this need, life insurance companies provide two broad avenues called cash value or whole life and term.
Simplistically, whole life insurance and similar products allow you to purchase a face amount of coverage: this is called the death benefit which is paid in the event of death. You make a monthly payment called a premium. Over a long time period, these types of products can yield some money called a cash value. While some products can have tax benefits, many can be quite expensive. Too many facts exist to cover in this article.
Conversely, term life insurance allows the policy holder to purchase more face amount for a specific term for a lower cost. Term offers pure protection without the “sidecar” of an investment vehicle. Over time, premiums can escalate based on age and again, too many facets exist to cover.
Pros and cons exist for each avenue. Which is right for you? Before answering that, you must first address what really matters. If you are the main bread winner for your family, what you should be asking yourself right now is this, “Do I have enough coverage?”
The best way to determine this and learn which insurance and investment products will accomplish your objectives is to do some research or reach out to us to help you answer any questions. Finally, this is for informational purposes only and not any kind of recommendation to buy or sell anything.
Casey and Bryce
626-915-7006 or info@capstonepacificinc.com