Life Insurance

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By preparing in advance, you’ll have the peace of mind that comes from knowing you’re protecting your family’s financial future. And since Life insurance benefits are generally not taxable at the federal level**, your loved ones can use the benefits to help take care of their living expenses in a variety of ways.

  • Any needs after the time of death, such as final illness expenses, burial costs and estate taxes.
  • Funds for a readjustment period, to finance a move, or to provide time for family members to find a job.
  • Ongoing financial needs, such as monthly bills and expenses, daycare costs, college tuition or retirement.

Are your loved ones protected if something happens to you? We offer life insurance products to help make sure that they are taken care of if you can’t be there. It’s my job to help you prepare for an unfortunate loss so that you can have peace of mind. Contact me today for the coverage and protection that best fits your life insurance needs.

Safeguarding Your Business
If you’re a business owner or have business partners, it’s important to prepare for the unexpected. We offer several Life insurance products that are designed to help you, as a business owner, to make it possible for your heirs to help pay estate taxes and help sustain the business during a change in management, or to help provide funds in order to execute a buy-sell agreement between partners or stockholders.**

How much Life insurance do I need?

There’s no doubt that Life insurance provides a sense of financial security. “If all else fails,” you think, “at least I’m covered.” But determining the amount of Life insurance you need depends on a number of variables: your marital status, current income, (projected) future income, number of dependents, value of your assets, and your preferred lifestyle in general.

A common rule of thumb is that your Life insurance benefit should equal 5-10 times your current income. But there’s no one answer: if you’re older, and your mortgage is paid off, you may not need as much Life insurance as a new homeowner. On the other hand, if you’re single and have no children, you may not need a policy in addition to the one available at your job.

Keep in mind that until that Life insurance benefit is paid out, you are paying a monthly premium. That’s why it’s important to research your options and talk to an insurance agent who can help you determine the best policy options for your situation.  We offer a wide variety of term and permanent Life insurance coverage, with a range of premium levels to choose from

**This document is for informational purposes only.  You should consult your attorney, accountant, or tax advisor for legal or tax advice.