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Here to Advise You

Choosing Life Insurance can be overwhelming. We’re happy to answer any questions and provide advice and support as you make your decision.

How much life insurance do I need?

If you have a family, or plan to have a family, buy enough life insurance so that when combined with other sources of income, it will replace the income you now generate for them. Additionally, consider having enough to offset any additional expenses they will incur to replace the services you provide. Your family may also need extra money to make changes after you die, for example, they may want to relocate or your spouse may need to go back to school.

Any “hidden income” should also be planned for. Hidden income is income that you receive through your employment but that isn’t part of your gross wages. It includes things like your employer’s subsidy or your health insurance premium, the matching contribution to your 401(k) plan, and any other perks both large and small. This is an often-overlooked insurance need but can be significant.

If you want to create an inheritance or make a charitable contribution, buy enough life insurance to achieve those goals.
Of course, you should also plan for expenses that arise at death. These include the funeral costs, taxes and administrative costs associated with winding up an estate and passing property to heirs. At a minimum, plan for $15,000.

What type of life insurance do I need?

Two basic types of coverage

When it comes to the length of coverage, all life insurance policies fall into two categories: 

  1. Temporary insurance
  2. Permanent insurance

There are many different types of life insurance products available within these categories, and all offer death protection. But each type also has its own unique features and benefits designed to meet your specific needs. Contact our agents to discuss which is best for you. 

Consider Term Life Insurance if:

You need life insurance for a specific period of time

Term life insurance is temporary protection that provides coverage for a specific period of time. We offer 5, 10, and 20 year term policies that you can apply for online, without ever speaking with an agent.

Term life insurance enables you to match the length of the term policy to the length of the need. For example, if you have young children and want to ensure that there will be funds to pay for their college education, you might buy 20-year term life insurance. Or if you want the insurance to repay a debt that will be paid off in a a few years, buy a 5-year term policy for that period. 

You need a large amount of life insurance but have a limited budget

Term life insurance policies provide the greatest amount of coverage for the lowest premium. There is usually a maximum age above which coverage will not be offered or renewed. Click ‘Get A Quote’ to see if you pre-qualify.

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Policies starting at $9 a month

Consider Permanent Insurance if:

You need life insurance for as long as you live.

Whole life & universal life policies are permanent policies, which pay a death benefit whether you die tomorrow or live to be 100.

You want to accumulate a savings element that will grow on a tax-deferred basis and could be a source of borrowed funds for a variety of purposes.

The savings element can be used to pay premiums to keep the life insurance valid if you can’t pay them otherwise, or it can be used for any other purpose you choose. You can borrow these funds even with not so good credit.

Interested in Permanent Life Insurance?

Contact us to discuss your specific needs with one of our agents.

Quick Answers to Common Life Insurance Questions

Click below to find answers to our most commonly asked questions. If you don’t find your answer please contact us directly and one of our representatives will be happy to address your specific concerns.