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J.White, CPA

Life Insurance

Life insurance is not only the beginning 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?

Would your kids be able to go 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.

Here are a few other reasons to have life insurance:

.  Pay federal death and estate taxes

.  Create an inheritance for your heirs

.  Pay final expenses

I Make Buying Life Insurance Easy. 

I have access to a wide range of life insurance carriers so we can shop the marketplace and based on your individual rating criteria, find the best possible life insurance policy at the best price.

When purchasing life insurance there are a few things to consider. Do you want Term Life or Whole Life?

Life insurance is based on two main variables, your age, and your health.

How Much Life Insurance Do You Need?

One of the benefits of working with an independent agent like me is that I can 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 things. Here are a few examples:

. How many children you have

. Your future earnings potential

. Whether or not you’re married

. Spouse’s future earnings potential

. You and your spouse’s age. Amount of debt you have