Protect your family’s financial future with the right life insurance coverage. This guide breaks down term vs. permanent life insurance, helping you understand costs, benefits, and how to choose a policy that fits your needs. Learn how to calculate coverage, compare options, and make a confident, informed decision.

By: Adam Claypool, President and CEO, First Community Trust and FCT Insurance For decades, wealth management has been defined primarily by investment performance. Today, managing investments alone leaves critical gaps in a financial plan, as clients face increasingly complex decisions across their lifetimes — protecting income, managing healthcare costs, planning for longevity, transferring wealth, and safeguarding loved ones. When these needs are managed separately, or not a