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Life Insurance

We buy insurance to protect the things that are important to us in the event something   bad happens to those items. Cars, Rv, Boats, Motorcycles, Golf Carts, Home, Jet Skis and many other things that make our lives  good and make our lives fun. Not only is it important but it is necessary by law or agreement that we do buy insurance in case of a loss, but  what about our life insurance?

Other types of insurance policies are for losses that may occur, but life insurance is for a loss we are CERTAIN will occur. It may be tomorrow or 80 years from now but the fact remains that we do not live forever and there is always someone left to deal with the financial responsibility of the life you left behind while dealing with their own personal grief over your passing.

There are many choices for life insurance such as Term, Universal Life, and Whole Life just to name a few.  The best way to find out what type and how much you need   is to do a financial life assessment.   


Here are just a few of the questions to consider:

  1. How much would it cost to pay off your mortgage?
  2. How many children do you have and how much will it cost to pay for their education if I passed before they are grown and on their own?
  3. Do I want to use life insurance as part of my financial planning?
  4. How much debt do I currently carry such as credit cards, car loans or student loans?
  5. Are you a stay at home parent? We need to talk about just have valuable you are to the family. How much money would it take to pay someone else to do all the things you do now for your family if you died today?


Keep in mind that as your life changes, so can your needs. It is important to talk to a professional about your options.  Getting quotes on line can give you an idea about price, but it does not give you the professional guidance necessary to make the best decision based on your needs.

Whether you're new to life insurance or are reevaluating your current life insurance policy, it's smart to stay informed. This empowers you with confidence that you have the right life insurance policy to protect your family, one that fits your needs and budget.