Life Insurance Agents
Trusted for Personalized Insight & Expertise
If you are planning your family's future, having a life insurance policy can offer greater reassurance. While many people avoid thinking about this option, it can provide an important safety net for your loved ones. Our insurance specialists at LBW Insurance & Financial Services offer a wide range of well-crafted solutions to help ensure the safety and security of your loved ones far into the future.
Thorough Planning for a Safer Future
Life insurance planning can offer a range of benefits. The death benefit is free from income tax and can be used to cover things such as funeral and burial expenses, debt repayment, estate taxes, and other expenses that survivors may face. In addition to this, life insurance can help you ensure that your wishes are carried out and your family business is passed on to the intended survivor.
We offer a variety of life insurance policies, including:
- Term
- Whole
- Universal
- Variable (life and annuities)
- Annuities
How Much Life Insurance Should I Own?
One of the most important concerns that clients have revolves around how much life insurance an individual should own. The answer is not that simple and should be decided with the help of an agent. When determining the right policy, our agents can take into account factors such as income, earnings, marital status, number of dependents, whether special life insurance needs exist, and more. However, a rough "rule of thumb" that is often used states that the policy should be equal to 6-8 times the amount of the individual's annual earnings.
