Life insurance is a subject many people don't want to talk about. It forces you to confront your own mortality. However, it is an important building block in your overall financial plan. Often times, people think of life insurance as a way to pay for funeral costs, and while this is true, it can be so much more. In addition to funeral costs, life insurance can be used to help cover debt or other expenses.
There are a variety of life insurance products available, including term life insurance, whole life insurance, and universal life insurance. Each has its advantages and disadvantages for different situations. Our agents can help you determine which life insurance product, or mix of products is right for you.
You never know when you will need life insurance, but you do know that your family will benefit if this is in place before you do, and suffer financially if you don't.
If you already have life insurance, our agents can meet with you, at no cost, to go over your policies with you to help you understand the insurance you have, and to make sure that your life insurance is the proper amount and type for your current life circumstances. Often, people that have an older policy may need additional coverage as their life has changed since they bought their current policy.