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Life Insurance

Let A&B Insurance Help You Choose

How much life insurance do you need? There are a number of questions to consider when determining how much life insurance is appropriate for you, including:

  • Who depends on you for their well-being? The more people that would suffer financially if you were not around to provide for them, the more life insurance you might need.
  • How much do you earn yearly? One rule of thumb is to think in terms of insurance coverage representing 5 to 7 times your annual earnings, after taxes. That way those left behind have enough support to get back on their feet.
  • What debts do you have? If they can be paid off with life insurance proceeds, it can take a burden off your family.
  • How close are you to retirement? Generally, the closer you are to retirement, the less life insurance you might need.

Other Factors To Consider

In addition, some other factors to consider include whether or not your spouse is employed, whether or not you would want to provide college funding for your children, and possible estate taxes that may need to be settled. We take the time to understand your needs to determine the amount of insurance appropriate for your unique situation. We then can recommend different insurance product options to fit both your position and your budget. A&B Insurance will work with you to find the right Florida Life Insurance program that fits you. Regardless of the type of insurance coverage you need (term, whole, or universal), we are here to help you select a plan that will ensure your loved ones are taken care of, whatever the future holds.

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