Looking for Life Insurance in Michigan?
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? What about sending your kids 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.
Not convinced? Here are a few other reasons to have life insurance:
- charitable donations
- pay federal death and estate taxes
- create an inheritance for your heirs
- pay final expenses
We make buying life insurance easy
It only takes one claim to financially cripple your business, so it’s important that you have appropriate coverage to your unique situation.
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.
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 with you 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 you’re married
- your spouse’s future earnings potential
- you and your spouse’s ages
- the amount of debt you have
How to get started on your Life Insurance proposal
Either way, we’ll make the process simple!