Valentines Day is just two weeks away…we all show our love in every way…every day…but what if we weren’t here?? Have you ever really sat down and though about what would happen to your children, your spouse, your home, your bills, etc??? How would you replace yourself monetarily? Let’s flip the coin over – let’s say that I am alive but my spouse is gone…is my spouse the bread winner? Is my spouse the mother of my children? What is “Mommy” really worth?

The point I am making is we do need to have life insurance as a part of our portfolio. And then comes the question of how much do I need? There are ways to calculate what is an approximate need without just shooting from the dark. There is also a way to cover all allocations of our insurances within reason and still not be “insurance poor”. One of the saddest things that I see is people that are “poor” because they were either uninsured or underinsured.

I am attaching two tools that I feel are a good thought provoking place to start the process. The first one is a series of six (less than 2 minute) videos on the six times in our life that we would have the thought and the need to address and assess our individual situation. The second is a calculator that you can play with to come up with some answers of your own. If you use the calculator we can take the results you get and tweak and adjust some of the variables to come to a close range of what we feel you should consider.

We then request quotes from the carriers we represent and present those to you for your consideration. After a review of the quotes an application is submitted to underwriting for a final “offer” to you. At that time if you accept the offer, your loved ones will be taken care of in your absence.

Absence makes the heart grow fonder…pending how you have left them!

Sears Insurance loves their clients and therefore we feel we should take the time to educate you – from there you will make the right decisions for you and your family. Give us a call – our quotes are free!