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When To Reassess Your Life Insurance Needs

June 21, 2018
, , , , Life Insurance

When it comes to Life Insurance, there is no one-size-fits-all. Like Health Insurance, your desired coverage amount can change depending on your unique circumstances. What works for you now, may not work for you five to 10 years from now, and as your life changes, so do your needs.

No One Can Predict The Future

While Life Insurance may be the furthest thing from the minds of most 20-year-olds, those in their 30’s and 40’s may be beginning to take a closer look at the benefits of Life Insurance and just how it could help them.

So when is the right time to start thinking about Life Insurance, if it’s right for you, or if you have enough coverage?

The truth? There is no right answer. There is no single answer that can be applied to everyone because everyone is different, has different needs, and go through different life stages at different times. So, at what point in their lives do the majority of people tend to start considering, or re-considering, their Life Insurance coverage options?

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Is Term Life Insurance Right for You?

June 20, 2017
, , , , Life Insurance

According to a recent study done by LIMRA’s Life Insurance Barometer, roughly 85 percent of people in this country believe that they need at least some form of life insurance coverage and yet, only 62 percent actually have it. But then the question becomes, what form of life insurance is right for you and your family and could it be term life insurance?

Life insurance, by nature, has been designed to act as a financial safety net for your family in the event of your death. But when researching the differences between whole and term life insurance policies, the options can seem confusing.

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How Much Life Insurance Do You Really Need?

September 8, 2015
, , , , Life Insurance

Life insurance is one of those things that no one really likes to discuss. Many people don’t think about it at all, or simply put it off. Every day is full of so many necessary tasks that finding life insurance your family (hopefully) won’t need for years often takes a back burner to everything else. This equates to people being not only uninsured but also not educated on how much life insurance is actually necessary for their family in the event something should happen.

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4 Questions to Ask When Purchasing Term Life Insurance

June 23, 2015
, , , Life Insurance

Once you have determined you need term life insurance, it’s time to choose a policy. Be aware that many policies differ on certain points, so you’ll want to ask a few important questions before purchasing a plan. The following questions can be answered by your agent or found within the information provided to you concerning the policy.

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How Age Affects Life Insurance Rates

June 3, 2015
, , Life Insurance

When considering a new life insurance policy, many people have the misconception that any time is a good time to purchase life insurance — that waiting for a major life event or when it’s convenient won’t affect their premium rates. This actually is not the case. In order to know when to buy life insurance, you’ll need to understand some of the factors that insurance companies use to determine your policy’s rates. Depending on the type of life insurance, rates are determined and influenced by certain factors that can and do change over time.

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When Should You Review Your Life Insurance Needs?

April 15, 2015
, , , , , Life Insurance

Life insurance is often thought of as a one-time thing that should be taken care of and then forgotten about. This is not a wise way to view your life insurance goals. Individuals should review their life insurance needs and policies because life is always changing, and when your life changes, your life insurance needs change as well. However, reviewing and updating your life insurance policies does not have to be a hassle. There are quick and easy ways to review your life insurance needs when any of the following take place.

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