Life insurance is an important part of anyone’s financial planning. It is a long-term investment in the protection of your loved ones. You may or may not have spoken to your insurance agent or financial advisor about buying life insurance. It is one area where many people feel out of their depth. At Amy Tounget Insurance Agency LLC we are a locally owned and operated independent insurance agency dedicated to exceeding the expectations of our clients. We provide the personalized service you deserve and will tailor a policy to your needs.
If you are one of the lucky people who get life insurance provided as part of a benefits package you are lucky. It is definitely something you should take advantage of. Take a good look at the policy you are being offered. If you have an insurance agent you know and trust, having them look it over for you is a good option. You need to know exactly the amount of coverage you are getting and the type of policy it is. But is this policy no matter how much it is, enough? Do I need to get life insurance of my own?
The simple answer is yes, you do need to buy life insurance even if your employer provides a policy. Life insurance needs to be customized to your needs and income. Your employer may provide an amount based on your income but not on your needs. You need to make sure that no matter what happens to you, your family will be protected, and only you can decide how much that amount is. The employer-provided life insurance is just the frosting on the cake, it is not the cake.
Talking to the team at Amy Tounget Insurance Agency LLC will help you to come up with the right amount of life insurance protection for your family.