Looking for Life Insurance in Springfield?
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?
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. In fact, you can start a quote or application online in a matter of seconds with our instant life quote tool above.
If all three, well, hopefully you already have life insurance. Here are a few other reasons to have life insurance though:
- Charitable donations
- Estate taxes
- Create an inheritance for your heirs
- Pay final expenses
We Make The Buying Process Simple
We have access to a wide range of companies so we can survey the marketplace and based on your individual rating criteria, find the best possible insurance policy at the best price.
When purchasing life coverage 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 policy rates are based on two main variables — your age, and your health.
Types of Life Insurance
When To Review Life Insurance
- Getting Married – When getting married you now have more than just yourself to worry about. When you take those vows to provide financially, it doesn’t end when you die. You want to make sure you protect him or her from your financial burdens.
- Buying a Home or Car – When making a large purchase whether it be a car, house or something else, you want to make sure to have enough life insurance to not have to pass them bill on to your loved ones.
- Having Children – Whether you are having a new baby or adopting, you are going to be one of their sole providers. Consequently, your responsibilities don’t go away if you pass away.
- Start your Own Business – When starting a business you have to protect your family, business partners and business in the event that you die. Rather than hoping for the best, you can have the piece of mind of knowing the business won’t be at risk.
- Other Major Life Events – Anytime you take on more responsibilities, take out a loan or take a risk you want to make sure and protect your friends and family.
How Much Life Insurance Do You Need?
A mistake that we often see people make is basing their coverage amount on a guess, or just grabbing a number out of thin air without realizing what the impact of inflation could have on their death benefit.
One of the benefits of working with an independent agent like us is that we can sit down, 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
- Spouses future earnings potential
- You and your spouses age
- Amount of debt you have
