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2. How much?

There's nothing more important than determining the right amount of coverage.  Get it right the first time.  Please call 1-800-543-0698 for a financial needs analysis, or email any questions to:

How much do you need?  $100,000?  $250,000?  $500,000?  $1,000,000  $2,000,000?

Estimate what your family members would need after you're gone to meet their financial obligations.

To calculate this figure, first you will need to think about 3 different types of expenses:

         1.  Immediate Expenses: 
  • Funeral expenses
  • Uncovered medical costs
  • Mortgage and other debt
  • Taxes
  • Estate settlement costs
         2.  Ongoing Expenses:
  • Food
  • Housing
  • Utilities
  • Transportation
  • Health Care
  • Clothing
  • Insurance
            3.  Future Expenses:
  • College
  • Retirement
Next, take into consideration the financial resources your family currently has, such as:
  • Your spouse's earnings
  • Savings
  • Investments
  • Life insurance you already own

The difference between your family's needs and the resources you have in place to meet those needs is your need for additional life insurance.