Do you need life insurance?

The short answer... YES! Life Insurance isn’t always the easiest of discussions because we can never put a price on a loved one’s life. The sadness, shock, and emptiness will linger for years to come. However, the worry about financial security does not need to be added to this burden. If you or your spouse have others that depend on you financially, now is a great time to call us for a review of your Life Insurance needs. 

How Much Life Insurance Do I Need?

Here is a quick way to give you an idea of how much Life Insurance you may need. Add up the following:

• Loans (mortgage, auto, personal, credit cards, etc.)

• Income (total income times # of years of income you want to replace~usually at least 10 years)

• Final Expenses (Funeral Expenses Include Medical-$12,000 on average)

• Education (total college costs times # of children- average public 4-year in state cost is $10,230/year)

How Do I Get Life Insurance?

Life Insurance is like fun. The older you get, the more it will cost! We have several carriers that allow us to compare rates on Life Insurance. We’ll help you determine how much you need and which plan works best for your situation. If you are young and healthy, the cost is relatively inexpensive and you may be able to qualify without having to have any type of medical exam. As you gain experience with life, you may experience some medical issues. There may be an exam and a little more work to get you covered. Whatever your situation, one of our licensed Life Insurance agents can walk you through the process! Give us a call today to have a free consultation and quote!