Frequently Asked Questions

Life insurance isn’t just for covering funeral costs—it’s a tool for long-term financial security. For example, your policy can help your loved ones pay off the mortgage, cover college tuition for your kids, and even fund your retirement.
Additionally, life insurance can provide tax-free death benefits, allowing you to leave a legacy for charitable causes or ensure your family’s financial stability for years to come.
By building your policy with these things in mind, life insurance can offer more than just a safety net—it can be part of a broader financial strategy.

Reach out now to discuss how life insurance can serve your family’s financial goals. 

 Many people aren’t sure how much life insurance they need. A general rule of thumb is to have 10–15 times your annual income in coverage, but this doesn’t take into account your specific situation.
Factors like your debt (mortgage, car payments, student loans), the number of dependents, future educational expenses for your children, and even your spouse’s future income should all be considered.
Let us help you run a personalized needs analysis so you can ensure your family is well taken care of—no matter what happens. 

 Life insurance policies often offer living benefits, which means you may be able to access a portion of your death benefit if you’re diagnosed with a critical illness like cancer, stroke, or heart disease.
If you’re unable to work or face significant medical expenses, this can be a vital financial lifeline. Furthermore, certain policies may allow you to convert from a term policy to a whole life policy, depending on your health status.
Discussing your options with an agent can ensure that your life insurance policy offers the coverage and flexibility you need in the event of serious illness or injury.

Contact us today to explore life insurance policies that offer added security for life’s unexpected challenges.

When speaking with your agent to set up your policy, any valuables you are concerned about and our agent can review your policy and recommend changes to ensure your valuables have proper coverage.

No. You do not need a new home appraisal during the renewal or coverage change process.