Life Insurance

Frequently Asked Questions

• My employer provides life insurance. Why do I need more?

  Having a personal policy to supplement your employer-provided policy makes sense to ensure coverage during all the twists and turns during your life. Also, check to see if your employer’s policy transfers to a new employer if you change jobs.

• How much life insurance do I need?

  Your needs depend on your own circumstances and reasons for needing it. Many factors help you calculate this amount once you decide those things.

• Does it matter which life insurance company I choose?

  YES. It does matter. Some factors to consider when choosing an insurance company for your life insurance:
  1. Financial Safety – Will they be there tomorrow if you need them?
  2. Reputation for treating customers fairly. You should know this before signing on the dotted line.

• Does my physical health determine premiums?

  Possibly. Physical health can be a determinant on a life insurance premium. Consult with your insurance agent for more specific details.