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How Much Life Insurance Should I Have?

from Lamplighter Insurance

by Ryan Sussman on Feb 10, 2015

Every person has their own personal set of circumstances that dictate the need for life insurance.  The goal of a well-thought Life Insurance strategy is to keep your costs to a minimum and provide the same lifestyle in your absence as you would normally.

Talking about the possibility of death is a difficult subject – about as comfortable as sitting underneath a 500 lb elephant.  At Lamplighter Insurance, we “light the way” to remove the elephant from the process.

There are 3 VERY basic things that need to be answered when making your decision about life insurance:

  1.  Coverage Amount – “How much?“

    1. Do they rely on your income to maintain the lifestyle you provide now?

    2. Is the future finances dependent upon your earning capabilities?

  2. Time – “How long?”

    1. How long will your loved ones depend on your income to sustain their lifestyle?

    2. Until Retirement?

    3. Until the children are out of the house?

  3. Budget – “How much can you afford?”

    1. Some coverage is better than none

    2. Additional insurance may be purchased at a later date (if you qualify)

Call us Today – No Elephants in our office


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