We specialize in helping our clients protect those people who depend upon them and their financial support. If you die prematurely, a proper Life Insurance policy provides your dependents with ongoing income to replace yours.
Here are some things you may consider when thinking about Life Insurance:
Can your spouse pay off your mortgage?
Are your children’s educations taken care of?
Do you have enough Life Insurance that your spouse and children can maintain your current lifestyle?
Can your two income household stay a two income household, no matter what?
Do you want to enjoy some of your retirement benefits before you retire?
Do you want an emergency fund to fall back on for medical, legal and funeral costs, should the need arise if family savings are not adequate?
We can help you with this. We have access to many top rated Life Insurance companies. We can show you several Life Insurance plan options that fit your goals and lifestyle. Trust us to explain them in terms that everyone can understand.
What Type of Life Insurance is Best?
Whether you are looking for a Term Life Insurance policy, a Whole Life Insurance policy, a Universal Life Insurance policy or you aren’t sure what the differences are or which might be best for your goals, we’ve got you covered. We can explain the differences of these different plans in terms we can all understand and help you pick a Life Insurance plan that best fits your needs and your budget.
We can even help you figure out how much Life Insurance you need to protect your loved ones who depend on you. Determining the amount you need consists of looking at several variables including:
How much debt do you have, other than your mortgage?
How much money do you spend each month?
How much money do you save each month? If you spend less than what you bring in and you put money in savings, keep it up. You may not need to replace all of your income, thereby needing less life insurance.
What are your long-term savings goals? Are you saving enough money to pay for your future car purchases, educations for your kids and your retirement? The closer you are to reaching those savings goals, the less Life Insurance you may need.
How much money do your loved ones need if you aren’t around? This is the main question and the only one that really matters, but you need to add up these other points to help determine this amount.
Confused? Don’t worry. Our professional and friendly staff is here to help make your Life Insurance purchasing experience simple and easy and give you the peace of mind you and your loved ones deserve.
Give us a call today to find an Affordable Life Insurance plan that is right for you!