Life insurance is the cornerstone of a solid financial plan and one of the most cost effective ways to protect your family.
What would happen to your family or dependents if you were to die prematurely? There are many taxes and final expenses to consider that would be left to them to manage. Would your family be able to maintain their current lifestyle, or your could your children go to college? Would your spouse be able to shoulder the load with one income? If you have a child, are married, or you are carrying any kind of debt and you do not have life insurance, these are the risks.
We make buying life insurance easy
We have access to a wide range of life insurance companies so we can survey the marketplace and based on your individual rating criteria, find the best possible life insurance policy. Life insurance is based on two main variables — your age, and your health. Beyond that there are only a couple options to consider, and we can help you determine what will suit your needs.
How much life insurance do you need?
A common mistake people when choosing their Life Insurance coverage is to pick an arbitrary number that seems high now, but doesn’t accurately consider all the variables of lifestyle, inflation, earning potential or even the amount of debt someone has. A major benefit of working with an independent agent like us is that we can offer a comprehensive needs analysis, determining the exact amount of coverage you will need to protect the people who depend on you.
Some questions to help start your journey to proper Life Insurance coverage:
- How many children do you have?
- Are you married?
- What is your age? The age of your spouse?
- What is your current debt load?
If you would like to get started determining what the best coverage for you will be, give our office a call or send us a message today.
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