Life Insurance: The Ultimate Gift of Love

Are you looking for that perfect Valentine's Day gift? The gift that shows your commitment to love and protect your family...until death you do part?

It may not sound romantic, but life insurance is a crucial step in planning for your future & protecting your family. Not only can life insurance provide assurance for your family if you are no longer around, but there are also life insurance policies that offer benefits while you are living.

But how much life insurance is right for you? Or what kind of life insurance do you need?

The necessity of life insurance depends on your own personal and financial needs. At Smart Insurance Agency, we assist and 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, in case something happens to you 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 us today and find out how to protect your family and your future with the right life insurance.

*Content provided in partnership with Safeco Insurance

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Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors.

This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state.

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