Term life insurance is used to replace income, and is protection that everyone should have. For most people, term life insurance provides the most efficient risk protection, and is the best value.
It's generally recommended that you purchase 5 to 10 times your annual income in protection. Another 'rule of thumb' is that $1 million in coverage will provide approximately $30,000 in taxable income, while providing protection of the lump sum benefit from inflation.
- We offer life insurance planning for employees, business owners, individual and families. We recommend term insurance, sometimes with additional permanent coverage.
- Life insurance for estate planning, business continuation, or other purposes may need permanent coverage such as universal life, whole life, or other cash-value products.
- Final-expense needs always require permanent insurance.
We can provide you with a competitive quote and analysis representing as many as 100 companies.
If you have had difficulty getting coverage in the past, or need to review your present situation due to a change in your family or other circumstance, please feel free to call us at (303) 422-1660 to arrange a phone interview or a personal consultation.
