Life & Health

Life insurance is not for you - it is for your family. If something should happen to you, how will they be able to continue with their own goals? Certainly they will have to provide for themselves, but life insurance can go a long way to help keep them whole.

How much do you need? It has sometimes been said that you need the most life insurance the day your last child is born, and the least on the day you retire. A rule of thumb often used as the way to determine the amount is to multiply your family's entire gross income by six. So, if you currently gross sixty thousand dollars a year, the rule would suggest that you should have about three hundred fifty thousand dollars worth of life insurance.

What type life of insurance should you get? These days there are different plans for almost any need. That is one reason that you should use an independent broker such as us. We have the expertise to help you evaluate your financial needs, and the latititude to suggest from a number of different insurance companies to make absolutely sure you get the best coverage for the best price. Just give us a call or send us an e-mail with your questions and we will get in touch.

Health insurance is changing so rapidly these days that it is almost impossible to keep up. HMO's, congressional action, corporate acquisitions, and the tendency for each employer to keep costs down have resulted in a confusing and ever-changing set of ground rules. Generally, it is best to stay with the medical plan your employer provides. If you are a small business or self-employed, give us a call. We may be able to assist you in finding a plan. We do not now offer health insurance through our agency.