Securing the Right Amount of Life Insurance
How much life insurance do you need? Determining a life insurance need can be a difficult calculation. Lifestyle changes, income variation, and family dynamics all come into play when figuring out how much life insurance you should have. While there are plenty of “rules of thumb”, use this handy calculator to help narrow down a coverage amount. Although Life Happens was kind enough to let me use theirs, I would be happy to do a customized plan for you as well. You can contact me directly with any questions or if you would like more information on your life insurance need.
Life Insurance Need Calculator
Once You’ve Determined Your Coverage:
Use this handy quoter. It will show you all of the top carriers that offer life insurance for the type that you require. You can even apply here:
The Next Steps…
Of course now that you have a rough estimate of your life insurance need, I am here to help. Building a plan specifically for you and your family is very important. As good as this calculator is, there is no one size fits all approach.
Where disability insurance, also known as income protection insurance, helps you pay the bills or maintain lifestyle while unable to work, life insurance protects all that you have should an important family member pass away.
However, life insurance isn’t always easy to purchase.
We work with experts to help you secure the best life insurance policies for your financial concerns.
For instance, not everyone wants to go through the onerous process of applying for and accepting a life insurance policy. What those people need is something such as a mortgage protection policy, which helps you to pay off your house should you pass away.
Life insurance can also be challenging to underwrite so it is important to work with agents that can get you the right policy for health issues. Trying to buy life insurance after heart stents or even after suffering a heart attack is hard, but not impossible.
By contacting our agency, you are also getting the wisdom of our life insurance experts.
Having life insurance can be just as important as having disability insurance. Please make sure you have proper income protection insurance for all potential health outcomes, whether you live or you die.
Take action today and book an appointment by scrolling below. The consultation is free and the transaction can be completed 100% online and over the phone. You’ll find that there are a lot of nuances to purchasing life insurance, outside of just determining your life insurance need. Let me know how I can help!