Life insurance is a benefit paid in the event of death and provides money directly to your beneficiaries. This money can be used in turn to help make up for your lost income, burial and estate tax expenses, pay off the mortgage and child's college tuition costs. Additionally life insurance can be used to help pay daily tasks that you may have taken care of; care for a child or elder, housework and so on. The Beneficiary can essentially use the money however they deem necessary to best cover the the costs you may have.
Why do I need life insurance?
If one of the reasons you work or have worked so hard is to provide a good life for your loved ones then you need to ensure they are protected if something unfortunate happens to you. Life insurance provides the important protection and peace of mind to your loved ones and family.
We've been there in the time of need for families during the best of times, such as college graduation, marriage and child birth and for worst of times, such as losing a loved one. We know first hand the importance of having your family protected when you are gone. Your family shouldn't have to worry about their financial well being. Life insurance is there to ensure your family can continue to maintain their current standard of living even after you've passed.
How much life insurance should I purchase?
There are a number of factors that help determine how much insurance you should purchase. Some of the determining factors are: your annual income, mortgage, assets, expected funeral expenses and the value of what you do. This amount can be difficult to determine and even more confusing to calculate on your own. We strongly recommend calling our offices and and schedule an appointment to discuss the right amount of coverage you'll need.
Should I still meet with a Naples life insurance specialist?
If you have a current policy it's important to review it, life changes and your insurance policy and needs should adjust right along with it. A specialist can review your current policy to make sure you are still adequately covered by today's standards. We have specialists on call in both Naples and Fort Myers.
Do I need life insurance if I already have it through work?
A group policy is a great plan because a lot of employers will contribute to the premium payments and in turn can be less expensive if you have a current medical condition. The downside is that you may lose your policy if you lose your job. It can very often be more expensive to convert a group policy into an individual policy at a later date and some policies don't even allow it. It's important to have an individual policy in addition to a group policy you may have at work for this reason.
How do I get started and what can I expect?
Enrolling, evaluating or converting a policy is a simple procedure. Call and make an appointment and we'll help you choose which policy will best fit your needs. After the fill out the application with one of our specialists we'll complete a medical questionnaire. You'll then have a few medical tests completed at a number of locations of your choosing, even in your own home or place of business! Next our underwriting team will review your files and after approval you'll receive the policy in the mail. Rest easy knowing your family is well protected.
Need Naples Life Insurance?
Please Call Our Naples or Fort Myers Office Today: 239-594-9567
You can also see our Allstate profile here: Fort Myers Insurance