November 2025 – Fraternal Benefits Message

Life insurance plays a crucial role in estate planning, offering financial security and liquidity to beneficiaries. Here’s why it’s an essential component of your estate strategy: 

Financial Security: Life insurance provides a tax-free lump sum payment to beneficiaries upon the policyholder's death, ensuring they have financial support during a difficult time. 

Liquidity: Life insurance can cover immediate expenses like funeral costs, outstanding debts, or provide a financial legacy for loved ones or charities. 

Equalizing Inheritances: Life insurance can help equalize inheritances among heirs, especially if certain assets are difficult to divide or pass outside of probate such as property or a personal business. 

Business Continuity: Life insurance can fund buy-sell agreements for business owners, ensuring a smooth ownership transition and financial stability for the company. 

By incorporating life insurance into your estate plan, you can provide your loved ones with the financial resources they need and protect your legacy for future generations. The Knights of Columbus specializes in financial education and helping you protect what you have for the people you love the most. The tradition of protection for Catholic Families has helped our members and their loved ones be saved from financial ruin and hardship while maintaining our ethical standards. Give me a call and let me know how I can help you best.

Ryan Janak – Field Agent

832-693-3160

Ryan.Janak@kofc.org