PROTECT THE ONES YOU LOVE

Protecting your family’s financial well-being is our goal in working with you, whether it’s paying off debt, providing an income stream for living expenses or funding for college. We will help you determine an appropriate amount of life insurance coverage to meet the financial needs of your family. The health plans we offer will give you the flexibility to choose a plan that provides extensive coverage with affordability in mind. We take pride in designing comprehensive, innovative, and cost-effective insurance plans.

Reasons for purchasing life insurance

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Funeral Costs

Risk Factor
The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?

Solution
A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Providing for Your Family

Risk Factor
Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare, and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.

Solution
Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.

Spousal Support / Income Replacement

Risk Factor
Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.

Solution
Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.

Mortgage Payments

Risk Factor
After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a widow or widower to carry.

Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home and car(s).