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Do I Really Need Life Insurance?


When bills pile up and you’re stretching to make ends meet, life insurance may seem like one payment you can afford to live without. Do I really need life insurance? While it may seem like something you can put off or avoid thinking about for now, chances are you do need life insurance to make sure your loved ones are protected. We know purchasing life insurance can sometimes feel overwhelming. That’s why below you’ll find some information that may make the process a little easier.

Who should purchase life insurance?Graphic_LifeHint_23
Do you have a spouse, children, grandchildren or loved ones who depend on you financially or who might be left with financial responsibilities if something were to happen to you? Do you have debt, including a mortgage? Do you own a business? Are you planning for retirement? If you answered “yes” to any of those questions, then you need a life insurance plan!

How much life insurance do I need?
Determining the amount of coverage you need is easy with this life insurance calculator.

What types of life insurance are available? 
Life insurance comes in all shapes and sizes and can be tailored to meet your needs. You can purchase a Term Life policy that covers a particular period of time or Whole Life or Universal Life policy that is permanent and even builds cash value over time!

When should I purchase life insurance?
Now! Purchasing life insurance while you’re young can save you a lot of money in the long term! Whole Life and Universal Life policies can even be purchased for your children. These policies accumulate cash value and offer many great benefits, including lower premiums that won’t increase and a benefit that doubles as your children age.

I need coverage. What’s next?
We’re happy to help you find a plan that fits your specific needs. We can even customize a plan based on your budget. Remember, you have options and we’re here to help!