• 3 in 10 adult Americans have no life insurance.
• Insured Americans on average have only four times their annual income in life insurance coverage. Many insurance experts believe that an individual’s true need for coverage is 10 times their gross annual income and sometimes more.
• Only 41% of adult Americans have individual life insurance. Many rely on insurance provided by their employers, leaving many employees without coverage if they were to lose their job or change jobs.
• Each year, a significant number of Americans (550,000) die prematurely. In fact, the chances a 25-year-old male will die before reaching the retirement age of 65 is nearly 1 in 5; for a female the odds are 1 in 9.

Life insurance policies offer essential financial protection for families, especially those with children, against a rare but potentially devastating event: the death of a household’s primary wage-earner.

We provide all forms of life insurance including low-cost term life, whole life and universal life insurance. For more information on the life insurance we provide, click the links below.

• Term life
• Whole life
• Universal life
• Disability Income
• Annuities
• Key-person Disability Insurance
• Buy-sell arrangement protection

Related article: Life Insurance: Key Component in a Family Plan

Information from Independent Insurance Agents & Brokers of America.

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