Providing Insurance
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               Since 1982


Life Insurance

How much life insurance do you need?  There are many factors to consider when determining how much life insurance is right for you.  Some examples are:

  • Who depends on you?  How much do you earn annually?


  • One rule of thumb is to have enough insurance coverage to cover 7-10 times your annual earnings.  This would help your family to pay for daily living expenses, debts, college and other unexpected life contingencies.

  • How much debt do you have?  Can it be paid off with life insurance proceeds?  If so, it can take a burden off your family.

  • How soon before you retire?  Most often, the closer you are to retirement, the less life insurance you might need. 

Some additional factors to consider can include: if your spouse is working, would he or she need to stop to take care of family?  Would this also negatively impact family income?

We will help you analyze your needs to determine the amount and type of insurance appropriate for your particular situation.  Then, we can recommend different insurance options to fit both your needs and your budget.

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