CAYALIFE is a life & health insurance service and is a separate activity from our tax preparation business. Please see our disclosure notice below.

Insurance should be a PROTECTOR, not an INVESTOR.

We believe that people should have a "base" of protection, only to be used to fund financial needs in the event of a tragedy.

Insurance is often over-purchased or mis-purchased;

Over-purchased is purchasing more insurance than you need. We will do a number of calculations and projections to determine what amount of insurance you will need at what times in your life. For example, you most likely do not need a million dollars of permanent life insurance when you are 80. You only need enough coverage for your final expenses and bills. Clients might look at a smaller whole life policy with a larger term policy for the years with small kids and high mortgage payments.

Mis-purchased is purchasing the wrong insurance when more likely risks need to be addressed first. I often see young clients who were sold a more expensive whole, universal or variable life insurance policy when they don’t have enough current life coverage (term) or disability insurance. A young couple with children probably needs to start with an affordable Term policy to get the appropriate current coverage for the most affordable cost.

You can trust CAYALIFE to review your needs, income, and current coverages to develop a list of insurances you may need, and when you should consider them.

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Disclosure Rules:

NOTICE REGARDING THE RELATIONSHIP BETWEEN CAYALIFE AND CAYATAX, llc:
Reviewing your insurance needs and potentially selling you a life or health insurance policy from CAYALIFE is a separate activity from the tax preparation business. CAYATAX, clients must grant permission to use information obtained by CAYATAX for the purposes of marketing or other activities of CAYALIFE in advance of obtaining the information.

OUR STATEMENT: By providing consent, we are able to give current CAYATAX, Inc. clients information regarding our non-tax related services through brochures, mailing or newsletters. We will not contact you with the sole purpose of soliciting our non-tax related services. Also, we will not promote our other services to you during the performance of our tax-related engagement, unless requested by you.

If you want us to review your life or health insurance needs, please ask.

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