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How Much Life Insurance Do I Need?

from Kincel & Company Insurance

Life insurance is a crucial step in planning for your future. Not only can life insurance provide assurance for your family if you are no longer around, there are life insurance policies that offer benefits while you are living.

How much life insurance is right for you?

Kincel & Company understands the life insurance needs of our customers.

The necessity of life insurance depends on your own personal and financial needs. We can help you determine the type and amount of life insurance that is appropriate for you and your family. Generally, you should consider life insurance if:

  • You have a spouse
  • You have dependent children
  • You have an aging parent or a physically challenged relative who depends on you for support
  • Your retirement savings are not enough to insure your spouse’s future against a rising cost of living
  • You have a sizable estate
  • You own a business

Additional benefits of life insurance (other than providing for your loved ones) include:

  • The cash value earned and borrowed from a permanent life insurance policy can be used to help with large expenses, such as a college education or down payment on a home.
  • The growth of a cash-value policy is tax-deferred — you do not pay taxes on the cash value accumulation until you withdraw funds from the policy.
  • Life insurance can be used to cover funeral expenses and pay estate taxes. Consult your tax advisor for more information.

The right coverage for you is unique – call to us today and find out how to protect your family and your future with the right life insurance.

Want to find out more about your Life Insurance options?

Get a Life quote And start saving money today!

We can find discounts on life insurance you may not find on your own. Give us a call, or get a life insurance quote online today.

Dunmore Life insurance

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Kincel & Company, Ltd

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Hawley, PA

410 Main Avenue
570-226-6504 By appointment

Dunmore, PA

1100 Dunham Drive
570-961-8731 Mon-Fri 8AM-4:30PM

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