Why Life

What can life insurance do?
A Life insurance policy can help cover income losses that occur when the person responsible for meeting the household's expenses and the family's future finacial security dies. In addition, some Life insurance policies can offer living benefits such as accumulating money, which can be used when needed to help purchase a new home, new car, pay for college tuition or fund your retiment.

Why do I need Life Insurance?
When you have Life insurance you can help ensure that when you're no longer here, your family will still be able to fulfill their dreams. They won't have to worry about whether they can make the mortgage or car payment or cover funeral expenses.

A Life insurance policy also offers other benefits. Some policies offer you the opportunity to accumulate cash and offer you the possibility of a loan for your needs, once a specific amount of time has passed. You may start befefiting from a Life insurance policy while you are still alive.

How much coverage do I need?
The amount of coverage you need depends on the number of dependents, your financial needs and the fiscal responsibilities that will be left for your dependents when you are no longer with them. As a general rule, people need from five to ten times their yearly salary. As your Farmers agent, I can help you choose the right coverage for you and your family.

How does Life insurance works?
All Life insurance policies funtion in the same basic manner: You make payments, known as "premium," to the insurance company, which agrees that it will pay your beneficiaries an aggreed- upon amount when you pass away.

How much does Life insurance cost?
The cost of a Life insurance policy depends on the amount of coverage you want for your family and the type of Life insurance you buy. It also depends on your age, you health and your lifestyle. I will gladly show you the options that best fit your budget and your expectations. Farmers has a large variety of policies that fit your plans and needs.

With a Life insurance policy, you and your family will have a peace of mind.

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