Life insurance is not only the cornerstone of a solid financial plan, but it’s hands down 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.
We make buying life insurance easy
At Allied Insurance Group, LLC 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 and based on your individual rating criteria, 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?
If you don’t understand the difference that’s okay. That’s what we’re here for.
Life insurance is based on two main variables — your age, and your health.
Basic Types of Life Insurance
Term Life Insurance
Provides you with temporary protection to cover a specified period of time. It’s generally the least expensive type of life insurance you can purchase to help protect your loved ones.
Whole Life Insurance
I the perfect solution if you’re looking for permanent coverage with a fixed premium. Plus the premium you pay for
coverage will remain level- which means it’s guaranteed to never increase.
Universal Life Insurance
Designed to build a cash accumulation value. It offers flexibility in two important ways: the death benefit and the premium payments. Both can be modified to fit your specific objectives.
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 just grabbing a number out of thin air without realizing what the impact of inflation could have on their life insurance proceeds.
One of the benefits of working with an independent agent like us 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
If you have questions, or would like the get the ball rolling, give our office a call, or request a free online quote today!