Many people recognize the importance of life insurance, yet according to the 2015 Insurance Barometer Study by Life Happens and LIMRA, more than 40% of Americans have no life insurance.

Life insurance is a subject that no one likes to think about. But the reality is people die every day who have families depending on them for financial survival and well-being. There is always the risk of leaving behind debt burdens on a family or business.

Now is the perfect time to review your life insurance needs. No one can predict what tomorrow will bring. You can’t control the future, but you can take steps to protect your family financially and safeguard the good things in your life with proper insurance planning. There are policies to meet every budget and plans to fit every need.

Before you purchase life insurance, here are a few things you should consider to ensure that you purchase a policy that meets your needs:

• Who depends on you for financial stability?
• How much coverage do you need?
• What is your budget?
• Do you have student loans?
• Do you have children that you want to be able to attend college?
• Do you have loans or debt you would not want to leave on loved ones?

Contact our office today so we can discuss these questions and start the important conversation of life insurance.