…Life Insurance
» How much coverage do I need?
» Why should I have life insurance?
» How will my family survive without my income?
» I’m a stay at home parent – do I need life insurance?
» Our house is paid for – do I need life insurance?
» I’m healthy – do I need life insurance?
These are all excellent questions! And the answer to each question is simply: “It depends….”
Because, everyone’s individual situation is unique, we cannot answer these questions until we know more about you, your goals, your financial situation, your family, your desires. Do you want to leave your family with a legacy…. or debt and distress? Life insurance is not always necessary, but when you need it, it is never too much.
Reasons to Have Life Insurance
» You want your loved ones to be financially secure
» Someone will have to be hired to do all the ‘things’ you do at home
» You want to fund college for your children/grandchildren
» You have debt that you do not want to burden your family with
» Pay final expenses (taxes, funeral)
» Pay the mortgage
When is the Best Time to Buy it?
» Before you need it
» Rates increase as you get older, so now is the best time
» While you are healthy — not everyone qualifies for life insurance
Which Type of Life Insurance is Best?
» Term Life Insurance
» Whole Life Insurance
» Universal Life Insurance
» Life Insurance with Long-Term Care for home health care and/or nursing home care
With so many options, how do I choose? The answer to this question depends on your situation and goals. Life insurance is not “one size fits all.”
In Summary
We all think we are invincible and are going to live a long and healthy life. But, unfortunately that is not always the case. We all know of too many people that have died well before their anticipated life expectancy. And, it gets worse, because those are usually the people that did not plan for the future financial needs of their loved ones. This leaves their loved ones grieving emotionally and suffering financially!
At RiverStone Insurance, we help you address these questions and find out if life insurance is necessary for your situation. If insurance is necessary, we help determine what type of insurance and what amount is appropriate to accomplish your goals. Being independent agents with access to numerous insurance companies allows us to find the right insurance to fulfill your goals.
Contact us by phone at (763) 682-6242 today or email one of our licensed agents for assistance.
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