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Life Insurance

How Much Life Insurance?

Figuring out exactly how much coverage you will need requires a thorough analysis of your situation.  We’ll even tell you if you have too much insurance! We will spend the time needed to find out exactly how much life insurance you do need…for both today and for the future.

Term life insurance, whole life insurance, universal life insurance, variable life insurance, final expense insurance... 

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 The lists and combinations seem endless.

Do you know which life insurance policy type is right for you? 

 

Life insurance isn’t a plan fit, but we can help you compare life insurance coverage and rates from some of the most trusted life insurance companies in just minutes.  Through our partnership with several life insurance carriers, we can provide clients with a wide range of choices for their budget and coverage needs.

 

Our agents offer a variety of products for our clients to choose from, giving clients the full scope of available coverage and pricing so they can make the best choice for their needs.

 

Having life insurance coverage is an invaluable resource for your family’s financial future after you’re gone. Rather than leaving your family in a heap of financial debt, you can leave your family with the resources to cover your final expenses, any outstanding debts, and regular monthly expenses. With the appropriate coverage in place, your family will be able to maintain their current lifestyle even after you’re gone.

 

We understand Florida’s market and regulations and can find the right plan – or a mixture of plans – for your specific needs. 

 

Planning for tomorrow, today is no easy task, but life is unpredictable. When the unexpected happens, life insurance coverage may be able to help keep your plans for your family’s future on course.

 

Some Key Life Insurance Goals:

  • Provide income to surviving family members so they can maintain their lifestyle

  • Pay off the mortgage if an income earner were to die so the house is free and clear of debt

  • Provide a college education if there are dependent children in the household

  • Pay for final expenses of a funeral or estate settlement costs

  • Provide an emergency fund to handle an unexpected financial crisis

  • Provide for settlement of personal debt

 

 

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Taking Care OF YOUR BUSINESS, YOUR FAMILY AND YOUR EMPLOYEES

When you die, your loved ones won’t care what type of life insurance you had or whether your policy included any special provisions or features. They’ll just want to know the answer to one question: Is there enough? The proceeds will be needed for many things – to pay for a funeral, retire credit card balances and other debts, and support loved ones for many years to come. But how do you know if you need $250,000, $500,000, $1 million or more? A good place to start is with the online Life Insurance Needs Calculator offered by the nonprofit LIFE Foundation. Just remember that online calculators are no substitute for the advice you’ll get by meeting with a life insurance professional, who can conduct a thorough analysis of your financial situation and help determine how much you’ll need to protect the ones you love. 

 

For an estimate of how much life insurance you would need to help safeguard your family’s financial future, use LIFE’s online calculator at www.lifehappens.org/lifecalculator.

 

Contact us to receive all the needed information so that you can make a completely informed decision about your life insurance plan.

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Why do you need a LIFE INSURANCE AGENT?

1. Convenience: Save time and confusion. We file the application and paperwork for you.

2. Savings: Side-by-side price comparisons help you make informed decisions.

 

We are here to assist you in navigating through the confusing world of insurance!

 

Langley Insurance & Financial Enterprise offers free, comparative quotes on Life insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out

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