There is a definite comfort in knowing that even if your health takes an unexpected turn, you and your family have a financial safety net. Both Life and Health insurance provide protection for you and your family when these turns occur.

Life insurance pays out a death benefit to your beneficiaries in the case of premature death. The purpose is that the death benefit is sufficient to replace future income lost, as well as cover expenses and obligations outstanding such as funeral costs, medical expenses, and other debts – or to fund college savings accounts or spousal retirement. This gives the family continuity of their finances, so they do not struggle after death.

Health insurance, on the other hand, helps pay for medical expenses such as doctor’s visits, hospital stays, medications, tests, and procedures. This helps ensure that people can afford their medical expenses and stay healthy.

Keep in mind that insurance needs can change dramatically during different life stages. What might seem essential for a parent with teen children might not be so important for a recent college graduate or a retiree.

Our agents can assist you in evaluating your actual needs and help get you the coverage you need to help protect you and your family.