Life Insurance

Plan and protect your legacy!

Life Insurance is a very serious subject!  By utilizing a comprehensive, needs based analysis we will help you put together the right Life Insurance program to protect what matters most to you. We have access to over 65 different Life Insurance companies with products to suit any personal OR business situation.

• 95 million American adults have no life insurance at all.
• In 2002, the year after 9/11, new policy sales increased by only 3 percent.
• In 2006, there was neither an increase nor a decrease.
• The face amount of individual life insurance policies has generally increased.
• In 2006, $255,861  was the average size policy sold.
• About 4 in 10 insured husbands and wives only have employer-sponsored group coverage.

Fact: Many U.S. families are not prepared for an untimely death.

• 15%  of husbands and 28%  of wives have no life insurance.
• 6 million households (10%  of families with kids under 18) have no life insurance.
• 22%  of families with dependent children say they’ll have   trouble with everyday living expenses.
• 26%  say that if a primary  wage earner dies, they’ll only be able to cover expenses for a few months.

Fact: Many U.S. couples are underinsured.

• The average amount of coverage on insured husbands is $235,600.
• The average amount of  coverage on insured wives is $147,800.
• Husbands  carry enough  insurance to replace their income for only  4.2 years, and wives for only 4.9 years.
• The typical married couple would need to double their current coverage to have enough  insurance to replace 7-10 years of income (the level of coverage most experts recommend).
• 56%  of  married parents believe their current life insurance protection isn’t enough.