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Why should I invest in Life Insurance?

Here at Amstead, we believe that you should plan for the unexpected. You never know what life will bring, so let Amstead help you prepare and protect. With over 50 products and carriers, each situation is unique. That's why our trained staff is here to help.

Reasons to review my life insurance coverage:

  • Purchased a New Home

  • Marriage 

  • Having a child or granchild

  • Divorce

  • Job Changes (Including promotion and retirement)

  • You have mortgages, investments and/or commercial property

  • You have education funds

  • You own a business

  • You aren't sure you have enough to retirement savings to insure your spouse’s future against inflation

I already have coverage through work, why do I need more? 

Companies have the right to cancel life insurance at anytime, it is not guaranteed coverage. Retirement, disability, and termination are all reasons you could lose your life insurance through work. 

How do I decide how much coverage I need?
Amstead recommends that the amount should be based on at least two important factors:

  1. The amount of money needed to pay your family’s immediate expenses (your funeral, estate settlement, inheritance taxes, etc.)

  2. The amount of monthly or annual income needed by your family to continue their present lifestyle and children's future education expenses.

Amstead can help you to choose how much coverage you need. We encourage you to give us a call if you have any questions or concerns regarding new or current coverage.

Types of Life Insurance coverage we offer:

  • Term Life Insurance

  • Whole Life Insurance

  • Universal Life Insurance   

  • Variable Life Insurance

  • Variable Universal Life Insurance

  • Return of Premium Life Insurance

  • Key Employee

  • Buy-Sell Agreements

  • Group Life Insurance

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