Looking for Life Insurance?
Life insurance is not just a crucial part of a solid financial plan, it’s also one of the most cost-effective ways to protect those who depend on you financially.
Why You Need Life Insurance
What would happen to your family if you were to die prematurely? Could they maintain their current lifestyle? Would your children still be able to attend college? Would your spouse be able to manage financially on a single income?
If you have children, are married, or carry any kind of debt, purchasing life insurance is essential. If all three apply, having life insurance is a no-brainer. Here are a few additional reasons why life insurance is important:
- Charitable Donations: Ensure your legacy supports causes you care about.
- Federal Death and Estate Taxes: Cover any taxes that might be owed.
- Creating an Inheritance: Provide for your heirs.
- Final Expenses: Pay for funeral and other end-of-life costs.
We Make Buying Life Insurance Easy
At Bess Insurance Agency, we streamline the process of purchasing life insurance.
We have access to a wide range of life insurance companies, allowing us to survey the market and, based on your individual criteria, find the best policy at the best price for you.
Types of Life Insurance
When buying life insurance, you’ll need to consider whether you want Term Life Insurance or Whole Life Insurance. If you’re unsure about the differences, don’t worry—that’s what we’re here for. We can guide you through the options and help you make an informed decision.
Life insurance premiums are primarily based on two factors: your age and your health.
How Much Life Insurance Do I Need?
A common mistake people make is choosing their life insurance coverage based on a guess or an arbitrary number. It’s important to understand how factors like inflation can affect the value of your life insurance proceeds over time.
One of the advantages of working with an independent agent like us is that we can provide a comprehensive needs analysis. This helps determine the exact amount of coverage you need to protect your loved ones.
Factors to Consider
The amount of life insurance coverage you need depends on various factors, including:
- Number of Children: How many dependents you have.
- Future Earnings Potential: Your expected future income.
- Marital Status: Whether you’re married and your spouse’s future earnings potential.
- Age: Both your age and your spouse’s age.
- Debt: The amount of debt you currently carry.
How to Get Started on Your Life Insurance Quote
We’ve made the process simple! Just start in the box below, and we’ll guide you through getting the coverage you need.