Why Insurance?

financial peace of mind against the uncertainties and risks in life 

Birth – Infancy – Childhood – Adolescence

Protect your children financially in the event of tragedy, while setting them on a successful path. There are different insurance policies and plans for your children, or grandchildren.  Finances are an important part of your child’s future, and not something to be taken lightly.  Life insurance for your child is a wise investment in their future. 

Adolescence – Early Adulthood – Adulthood

If you died today, would your children be financially able to afford a good education and go to college? A life insurance policy can help protect that dream.  The total average cost for in-state tuition, fees, and room and board for a public four-year college continues to rise. If the price of sending a child to college increases four percent annually for the next 10 years, sending your child to college will cost more than $100,000.

Adulthood – Midlife – Mature Adulthood

How important is your income to your family? If you lost your job for six months, how would your family cope financially? Being out of work causes a financial strain on a family. Even more devastating would be their permanent loss of your income when you die.  It’s recommended you provide up to five years of income replacement to take care of your family after you’re gone.

Late Adulthood – Death

Grieving is hard, but it's much harder when there is the financial strain of paying for final arrangements. The average cost of final expenses continues to rise, and these expenses can be higher depending on where you live.  Expenses become even more overwhelming when you consider that Social Security only pays a $255 death benefit, and only if you qualify. That still leaves all or most of the expenses for your family to cover. A life insurance policy can help cover these expenses and provide security for your family during their time of grieving.