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If you are thinking about dropping a life insurance policy, here are some things you should consider:
In all cases, if you are thinking of buying a new policy, check with a professional. When you bought your old policy, you may have seen an illustration of the benefits of your policy. Before replacing your policy, ask your for an updated illustration -- we will be happy to provide one for you. Check to see how the policy has performed and what you might expect in the future, based on the amounts the company is paying now. Call or contact us if you would like help evaluating your current policies.
How Much Life Insurance Do You Need?
Here are some questions to ask yourself:
As you figure out what you have to meet these needs, count the life insurance you have now, including any group insurance where you work or veteran’s insurance. Don’t forget Social Security and pension plan survivor’s benefits. Add other assets you have: savings, investments, real estate and personal property. Which assets would your family sell or cash in to pay expenses after your death? Call or contact us if you would like help in answering these questions.
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