Save up to 70% off Life Insurance!

Male Female

Save up to 70%

off Life Insurance!

Male Female

Do I Need Life Insurance?

The vast majority of people do need some form of life insurance. The answer to this question can be easily determined by evaluating the needs of immediate family members, your current financial situation, and more.

Important Questions to Ask

First, consider those who depend on your salary, such as your spouse and children. Without your income, would your family be financially stable with the ability to maintain their current lifestyle, or send your children to college? Do you have enough savings to cover your family's financial needs for the long term? If others depend on your income to maintain their standard of living, then life insurance is the right choice for you.

Long Term Planning

Planning for long term expenses is an excellent way to determine how much life insurance you need. How old are your children and spouse? How many years will they be dependent upon your income? The younger your children and spouse, the more life insurance you need.

When planning, also consider the reality of increased life expectancies. While 30-years ago, most people did not plan to live to age 90 or older, many people are living longer than expected. Assure that your life insurance planning takes into account the possibility that your spouse could live for many years after your own death, presenting a need for greater insurance coverage.

Peace of Mind

Integrating life insurance into your long term financial planning is a smart way to guarantee your family's quality of life in the event of your passing. Taking the time to answer life's tough questions now will provide you with lasting peace of mind and security.