life Insurance
Providing financial peace of mind, while
planning for the future!
Death is heartbreaking as is, but even worse when families have to do a Go Fund Me or Fish Fry to raise money for funerals. That doesn’t have to be your story. As a life insurance agent, I help families protect what matters most: their loved ones. I do this by providing guidance about the proper type and amount of life insurance you should have.
What is Life Insurance?
Life Insurance is a powerful tool you can use to pass down a TAX-FREE inheritance to your heirs. Imagine leaving your children with $500,000 when you pass away versus a pile of debt. The reality is we're all going to die. Wealthy people accept this fact and create a plan to protect their legacy. Others procrastinate until it's too late and they either can't get approved for life insurance or can't afford it. Don't let that be you.
Is there only one type of insurance?
Absolutely not! There are many types of Life Insurance policies that all serve different purposes. You could get a policy that only lasts 10-30 years, or one that covers you forever. There are policies that return your premium payments if you don’t die by a certain date. You could even get a policy where part of your premium payments grow cash value for you! It can be used as an investment tool.
Term vs. Whole Life Insurance
Term life insurance covers a specific period, while whole life insurance offers lifelong coverage with an added cash value component. Term life is generally more affordable and best for temporary needs, such as covering a mortgage or providing for children until they are financially independent. Whole life is more expensive but offers a fixed premium, a guaranteed death benefit, and a cash value account that grows over time.
How much life insurance do I need?
This depends on your current and future financial goals.
How much does life insurance cost?
Life Insurance can cost as little as $10 per month! Your cost depends on your age, medical history, and other factors.
