Ode to the Sundance Kid – The fall will probably kill ya…

Ode to the Sundance Kid – The fall will probably kill ya…

By John Cattau, Kirk Creek Insurance Services, LLC

As we mourn Robert Redford’s recent passing, I recall Butch’s response to the Sundance Kid’s line “I can’t swim!” 

Butch’s observation gives us all a good chuckle, but did it go deeper and touch on an existential statement about death’s inevitability?  Perhaps a good dinner party topic for you philosophy buffs, but for the rest of us, a soft reminder about one’s own mortality and ugh…. deciding which life insurance policy(ies) meet your needs.

Term Insurance is often the most affordable choice, offering coverage for a fixed period—such as 10, 20, or 30 years—to protect against specific financial obligations like mortgages or children’s education. Term insurance is like renting a house—you pay over time, but once the lease ends, so does your coverage.

Permanent insurance, like whole life, is like owning your home—an investment that lasts a lifetime and can even build equity over time. It’s ideal for those seeking a lifelong safety net and a potential savings component. Universal Life Insurance provides flexibility, allowing policyholders to adjust premiums and death benefits to match changing financial circumstances.

For those seeking additional protection, combining various policies can create a tailored safety net. Adding riders, such as for disability, can provide extra security against unexpected surprises.

Ultimately, choosing the right life insurance plan involves assessing your current needs and future goals. Consulting with an insurance professional can help ensure your coverage offers peace of mind for you and your loved ones. 

RIP Robert Redford.

John Cattau, Managing Partner of Kirk Creek Insurance Services, LLC is a New York State licensed insurance broker BR-1917908. He can be reached at 929-456-2265.  Please visit www.kirkcreekinsurance.com for more information.

See our story in the Larchmont Ledger