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Life Insurance

Create a lifeline that will last a lifetime

We know you can’t put a dollar amount on your family, but you can ensure their future is protected. And though costs are a real concern for most people considering life insurance, it never costs as much as you think.

If You Need Life Insurance, Decide How Much Coverage to Buy 

How much life insurance to buy depends on the financial needs that will continue after your death. Examples include supporting your family, paying for child(ren)’s education, and paying off a mortgage. Some questions you may want to ask about your own needs include:

  • Does anyone depend on me financially?
  • How much of the family income do I provide?
  • How will my family pay my final expenses and repay debts after my death?
  • Do I want to leave money to charity or family?
  • If I have life insurance through my employer, is it enough to meet my financial obligations?

The answers to these questions can help you decide how much coverage you need. An insurance agent, financial advisor, or insurance company representative can help you evaluate your insurance needs and give you information about available policies.

If You Already Have Life Insurance, Assess Your Current Life Insurance Policy

It’s important to compare your current policy with any new policy you might buy. Keep in mind that you may be able to change your current policy to get benefits you want. Also, know that any changes in your health may impact your ability to get a new policy or the premium you’ll pay. Don’t cancel your current policy until you get the new one. Also, while you may have free or low-cost life insurance through your employer, the death benefit usually is less than you need. And if you leave the employer, you may not be able to take this coverage with you.

I will help you evaluate your life insurance needs and research the best and most affordable solution for you.

Source: Life Insurance Buyer’s Guide © 2018 National Association of Insurance Commissioners

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