Michelle Morgan

Piggy Bank

Thank you can’t afford life insurance?

Think again. Term life insurance is actually much more affordable than most people know. It can cost as little as $12 a month for a healthy individual, depending on the term and amount. Most plans offer flexible payment options that can be helpful if your financial situation changes later on.

Many plans and options are available, so find out what you can afford. Every little bit that you can provide can make a huge difference for your family.

Think you have enough life insurance and don’t need more?

Many people believe they don’t need more insurance until they look objectively at the possible financial impact to their family. Can they pay the mortgage off, will it put kids through college? Important financial burdens must be discussed. Recent life changes and events may also impact the amount of life insurance you need to protect your family.

Think you are covered through work?

The group life insurance offered through your employer will not follow you if you are laid off or leave the company. It is also probably not enough as many group life policies offer a flat amount for all employees or just up to 3x your annual salary. According to national studies, most individuals require 10x their current annual salary to provide for their family in the event of their untimely death.

The best time to consider life insurance is when you are at your healthiest. Don’t delay or it may be too late. Give us a call at (925) 447-2565 for your free, no-obligation life insurance review. You may also email us at quotes@genemorganinsurance.com or send a life insurance quote request to us on https://www.genemorganinsurance.com/get-a-quote/life-insurance-quote/.

We look forward to helping you!