By Angela Barbosa
As we grow older, get married and build our families, our focus switches to things that will affect not only our lives as individuals but also those of our loved ones. It is never too early to consider protecting and guaranteeing their future in the event of your passing. With that in mind, a local business owner decided to host lectures on the importance and benefits of having life insurance, a will and a living will in place to take care of any monetary needs that could arise.
“It’s important that the community is aware of the need for a will and life insurance”, said Talline Carvalho, a local State Farm agent, who has been working in that industry for over a decade, to an audience that attended the first lecture held at the Portuguese Cultural Center in Danbury last September.
“We protect our cars, our homes, but sometimes forget to protect what is most important to us, our families”, she emphasized. “We have one certainty in life, and that is that we will not live forever. Contacting a professional that will be able to guide you and identify your needs is extremely important”.
Carvalho explained that life insurance is on “a case-by-case basis”.
“What’s important to you? Leaving a legacy? Making sure kids go to college? Financial stability? Charity contributions, estate planning? Savings for the future? A full, life-needs analysis is done to make sure the insured’s priorities are covered”.
Attorneys Carlos Santos and Anthony Nunes of Fitzpatrick Mariano Santos Sousa P.C., a Connecticut law firm located in Naugatuck that has been practicing since 1978, provided information on wills and living wills.
“When it comes to estate planning, it’s important to know that wills and trusts are important tools that enable people to have their property distributed as they see fit”, said Attorney Santos, who has been with the firm since 2002.
Participants were able to understand that a living will is not at all like the wills that people use to leave property at their death. Rather, it is a document that lets people state their wishes for end-of-life medical care, in case they become unable to communicate their decisions. It has no power after death. It can give invaluable guidance to family members and healthcare professionals if a person can’t express his or her wishes. Without a document expressing those wishes, family members and doctors are left to guess what a seriously ill person would prefer in terms of treatment. They may end up in painful disputes, which occasionally make it all the way to a courtroom.
“There are life insurance policies for every age; it all depends on one’s needs. Also, protecting the integrity of your loved one’s will and last wishes is really important”, said Carvalho. “Everyone should talk to a professional to assist them identifying their needs”, she concluded.
For more information about the next lecture or any life insurance related questions, contact Talline Carvalho at 203-456-6577 or visit her State Farm office located at 15 Federal Road, Unit 1, in Danbury, CT.