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There are two main costs to consider when calculating how much life insurance you might need. How much do you need to pay off all remaining debt and how much do you need to keep your family supported after passing. Carriers use different formulas to calculate this need amount, make sure to ask for the details about any recommended coverage amount.

The cost depends on several factors such as age, gender, health status, and policy type. Most carriers require a physical, medical history, and sometimes blood work to determine health risk status. Comparing carriers’ averagecosts for your age and gender is a good starting point, just keep in mind poor heath or high risk will increase the premium.

Yes. There are different types of life insurance policies and some of them provide an early pay out for needs resulting from a terminal diagnosis, long-term care, or short-term care.

They do not usually adjust unless there is an inflation rider. It is good practice to ask if this feature is built in or can be added on as a rider. It is not always an option, so compare policies before applying.

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Insurance guides & resources

Auto Insurance

Auto insurance can serve many purposes: from covering minor accidents and damages, delivering coverage funds for total damages, to even providing liability protection for your family and property in case of accidents. There are several types and levels of auto insurance that provide different assurances for your travel safety. Our specialized agents will help you find the right plan within your budget.

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  • The best and most ultimate point of auto insurance is to protect you and your family from liability and damage costs if the unthinkable should happen while on the road.
  • Several factors go into determining auto insurance rate, so comparing multiple carriers side by side can absolutely serve to benefit you in the search for the right plan with the best premium.
  • Higher deductibles can give you lower premiums but letting an auto policy lapse can lead to higher premiums, so never go without. Compare and save on your coverage whenever you can.

Health Insurance

Health insurance can serve many purposes: from covering and caring for minor injuries and illness, delivering coverage funds for well care visits, to even providing protection for your finances in case of catastrophic illness. There are many types and levels of health insurance that provide different assurances for your wellbeing. Our specialized agents will help you find the right plan within your budget.

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  • Illness cannot always be prevented, or foreseen and health insurance can help save fortunes. For example, some necessary lifelong medications can cost several thousands of dollars a month.
  • Health insurance offers preventative care which does not only help you keep up with current health issues, it can offer early detection of illness and ensure quick treatment when needed.
  • Health insurance is not just for the employed. There are many types of plans that offer private coverage at all different premium levels to ensure your health and financial safety.

Pet Insurance

Pet insurance can serve many purposes: from covering and caring for injuries and illness, delivering coverage funds for well care visits, to even providing liability protection for your family and property in case of accidents. There are several types and levels of pet insurance that provide different assurances for your pet’s health and future. Our specialized agents will help you find the right plan within your budget.

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  • Pet insurance is designed very similarly to our own health insurance: based on your type of pet, their age, and general health history and profile.
  • Pet insurance is a growing elective coverage with even employers. For many of us pets are true family members, and in response 1 in 3 Fortune 500 companies already offer pet coverage to their employees.
  • Pet insurance allows you to make decisions in hard or emotional times without having to worry about a drain on your savings or choosing between cost and treatment.

Home Insurance

Home insurance can serve many purposes: from covering and caring for minor damages, delivering funds and resources for total rebuilds in cases of emergency, to even providing liability protection for your family and property in case of accidents. There are several types and levels of home insurance that provide different assurances for the future. Our specialized agents will help you find the right plan within your budget.

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  • With home insurance, the details matter most. Knowing your areas history will help you take advantage of the best coverage options and determine your needed level of coverage.
  • Some hazards, like earthquakes and flooding, are commonly excluded from home insurance policies, but there are separate plans that can cover these for you.
  • In some cases, both home rebuild and personal property coverage amounts can differ greatly from market value. Make sure to know the true value of your home and goods for proper coverage levels.

Life Insurance

Life insurance can serve many purposes: from providing for your loved ones and beneficiaries in the future, protecting your future business needs and growth, delivering emergency funds in case of illness, to even offering a cash source for additional retirement income. There are several types of life insurance that provide different assurances for the future. Our specialized agents will help you find the right plan within your budget.

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  • Over 50% of Americans do not have life insurance through their employers, and those that do are often underinsured.
  • The premiums for life insurance policies are commonly misunderstood and highly overestimate, in fact, most do not have life insurance because they unnecessarily dread the cost.
  • Over half of Americans admit to being confused by the variations of life insurance, how much coverage they need, or how it will provide for them. You are not alone in your search for coverage or knowledge.

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