It’s Not For You. It’s For Them
How would your family handle the financial impact of losing your or your spouse? For most families, the answer is life would immediately become a lot more difficult. But it doesn’t have to be that way. With the right amount of life insurance, your loved ones can rest easier knowing that even though their future would be different without you, they wouldn’t have to worry about handling the pressing financial difficulties that could arise from your loss.
How Much Life Insurance Do I Need?
The simple rule is about eight to 10 times your annual income. That’s a good general starting point, but there are so many other factors to consider, such as the amount of debt you have, whether you hold a mortgage and the amount of it, the amount of savings you have, and whether you have children who are in or will one day be in college. So, it’s not just as simple as saying a fixed number, but arriving at the amount that best fits your family’s needs doesn’t have to be difficult. We can help guide you through the process of figuring out how to best protect your family’s financial future.
But Isn’t It Expensive?
It doesn’t have to be. In fact, term life insurance is very affordable for most people, even more so the younger and healthier you are. Of course each person’s specifics are different, so the best way to find out what your cost would be is to get a free, no-obligation quote.
Types of Life Insurance
There are several types of life insurance products available in the marketplace today, and dozens of companies that offer it. Which one is best for you and meets your needs depends upon your situation. The primary types of life insurance we focus on for our clients include
- Term Life Insurance
- Whole Life Insurance
- Final Expense Insurance
Yes, there are other types of policies, but these are the types we prefer. We’re not saying the others are bad; just that more often than not these meet the needs of the vast majority of people we have met. We shop several different companies to get you the best possible rates and coverage.
What If I Smoke or Have a Health Condition?
That can make it trickier on life insurance coverage, either from experiencing higher premiums to possibly being declined for coverage. The best we can tell you is let’s talk about it, gather your information, and see what we can do for you. We won’t make a promise other than we’ll try.
What Do I Have to Do to Get a Quote?
Simply complete the quote form on this page and submit it. We will follow up with you to gather more detailed information and then talk to the companies we represent to get you fair, honest quotes.