Life insurance is not only the cornerstone of a solid financial plan, but it’s one of the most cost effective ways to protect the people who depend on you financially.
What would happen to your family if you were to die prematurely? Would they be able to maintain their current lifestyle? Would your kids be able to go to college? Would your spouse be able to shoulder the load with one income?
If you have a child, are married, or you are carrying any kind of debt, purchasing life insurance is a no-brainer.
If all three, hopefully you already have life insurance. Here are a few other reasons to have life insurance:
pay federal death and estate taxes
create an inheritance for your heirs
pay final expenses
We make buying life insurance easy
At Allen Tate Insurance, we make the process of buying life insurance extremely simple. We have access to a wide range of life insurance companies so we can survey the marketplace. Based on your individual rating criteria, we will find the best possible life insurance policy at the best price.
When purchasing life insurance there are a few things to consider. Do you want Term Life Insurance, or Whole Life?
Life insurance is based on two main variables — your age, and your health.
How much life insurance do I need?
A mistake that we often see people make is basing their life insurance coverage on a guess, or grabbing a number out of thin air without realizing what the impact of inflation could have on their life insurance.
One of the benefits of working with an independent agent is that we can sit down, and through a comprehensive needs analysis, determine the exact amount of coverage you will need to protect the people who depend on you.
The amount of coverage you need depends on a number of different variables. Here are a few examples:
how many children you have
your future earnings potential
whether or not your married
spouses future earnings potential
you and your spouses age
amount of debt you have
How to get started on your Life Insurance quote
To get started on your quote, call our office or click over to our quotes page.