1) Do I Really Need Life Insurance?
Who wants to think about death? No One. But it is inevitable for all of us someday. Here’s the truth about life insurance – it is a very important and almost essential thing for you to get to protect those you leave behind. It is not a coverage that you get for yourself, but for your loved ones.
What will they do if you are gone? How will your wife continue to pay the mortgage? Will your daughter be able to go to college? How will your husband pay for someone to watch the kids if you aren’t there to be a stay at home mom? What about all those college loans – could your parents pay all those bills? Do you really want to leave your son or daughter with medical bills and funeral costs to pay?
Life insurance is the best way to be sure that you can help those you leave behind at a time that will inevitably be hard for them. Wouldn’t it be a blessing to them not to have to worry about finances too?
2) Isn’t My Coverage Through Work Enough?
Coverage through work is a great benefit. The problem with relying on this coverage alone is this – what happens if you don’t work there any more? What if you move on to another company that doesn’t offer it? What if you end up losing that job and can’t qualify for a policy down the road?
You never know what life is going to bring you. If you set the coverage up independently, then you are guaranteeing the policy will be there for you even if your current workplace is not.
The other question to consider: Is the coverage amount through work enough? Often times you should have more coverage than what is given through work. This is where a secondary life insurance policy can help fill in the gap.
3) Isn’t Life Insurance Expensive?
Many people think that life insurance is too expensive . You may be surprised to learn that a policy can be very economical. For as little as $15 a month you can get a policy that would protect your family. No matter what your situation is, we can find you a policy and coverage that will fit your budget and take care of your loved ones.
4) How Much Life Insurance Do I Need?
This is an answer that needs to be determined on an individual basis for each family. The good news is that we have tools that can help you determine exactly what you need based on what you want the money to do.
We Can Help
Don’t Wait. Talk to one of our life insurance specialists today to set up your policy. If you can’t be there for them, we can. Let Our Family Protect Your Family.
Call 717-764-2024 or email firstname.lastname@example.org
The Nicholas Insurance Agency, led by Greg Nicholas, is a family owned business serving the York county, Pennsylvania region. In the insurance business since 1981, Greg Nicholas helps families, businesses and individuals understand the value of different insurance products and make wise decisions when selecting the best insurance products for their specific situations.
Offering exclusively Allstate insurance products, the Nicholas Agency provides auto, homeowners, rental and landlord insurance as well as life & disability, recreational vehicle, motorcycle and personal liability insurance.
For more information, visit our two York, PA locations at Westgate Plaza or York Marketplace, visit our website at nicholasins.com, or call us at (717) 764-2024.