2021 LIFE (2)

Is Life Insurance For You?

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.

If you have a child, are married, or you are carrying any kind of debt, purchasing life insurance is a no-brainer. If you say "yes" to all three, well, hopefully you already have a policy in place.

Here are a few other reasons you should carry it:

Are you recently married or engaged? -OR- Are you recently divorced, or expecting to be?

Are you dependent on two incomes?

Are you expecting or do you have a new family member?

Do you have any outstanding loans: home / mortgage, business, auto or schooling?

Are any of your family members or child(ren) going to college?

Any recent employment changes: recently unemployed, lost group benefits, started a business, added a business partner, recently promoted, etc.

Do you want to leave your loved ones better off financially? (Final expense coverage, leaving a legacy, help maintain a standard of living, estate & other tax payments, security, reduce financial stress)

Have you hit a life milestone: 30, 40, 50, 60...

You have coverage through an employer, but it just isn't enough.

We Make Buying Life Insurance Easy

At Town & Country 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 and based on your individual rating criteria, find the best possible policy at the best value.

When purchasing a life policy there are a few things to consider. Do you want Term Life, Universal Life or Whole Life? (If you don't understand the difference that's okay. That's what we're here for!)

In fact, we have an entire team dedicated to *only* Life & Health Insurance - they really do make it a breeze!

So How Much Do You Need?

We often see people base their life insurance coverage amount on a guess, without realizing the factors that go into final benefit payout. But realistically, if you're going to go through the effort of getting a Life Insurance policy, you want to ensure it will cover what you expect it to.

One of the benefits of working with an independent agent like us is that we can sit down, and help you determine the amount of coverage that will work to meet your needs and budget.

The amount of coverage you need depends on a number of different variables. Here are a few examples:

How many children / dependents do you have?

What is your future earnings potential?

Are you married, single, divorced, head of household, etc?

What is your spouse's future earnings potential?

What are you and/or your spouse's ages?

What amount of debt do you have?

Estimate Your Needs

Estimators, like the one below, are great tools... but they don't always have to be a determining factor when deciding whether or not to buy life insurance.

Any coverage is better than none, as it helps your loved ones buy time to determine the next steps when the unexpected happens.

By working with Jeni and our team here at Town & Country Insurance you'll get recommendations based on your personal comfort level, budget, and coverage needs.

Start A Life Insurance Quote Now!

LH - Life Insurance Inquiry

Here, we'll gather basic information to work on finding the best life insurance options for your unique life story! These answers help Jeni determine what rating class she should quote you in. HELPFUL TIP: Have any Rx medications easily accessible to reference.