None of us like to think about the worst case scenarios in life, but having life insurance is a very necessary layer of protection for you and your loved ones.

Reduce your stress and stop worrying what your family would do if something were to happen to you. With life insurance, you have the power to provide for your family even in the most unfortunate circumstances. And the sooner you act, the more affordable it will be.

The first thing you need to do is determine the amount of coverage that’s right for you, based on your particular situation. Your age is a factor – the younger you are, the more coverage you’ll want. If you have a mortgage and children, you need to consider the costs associated with them. As you and your family age, your debt should decrease, so your coverage amount will decrease too.

Some of the factors that determine your coverage amount include:

  1. Debt payoff
  2. Future income
  3. Education expenses

Once you’ve determined the amount of coverage that’s right for you, you’ll need to choose a policy that best fits your situation.

There are many types of life insurance policies, including:

Term Policy - Low premium, no cash value
  • 10 years
  • 15 years
  • 20 years
  • 30 years
Permanent Life Insurance Policy - A more expensive option, offers cash value over time

Life insurance takes some of the worry out of life, so that you can enjoy every second with your family. You don’t want to live in fear, wondering what will happen in the event of a tragedy. Make sure that you’ve planned ahead for the ones you love. Our agents will work with you to find the best policy for you and your family.

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