Life insurance is not something that is one and done. The life insurance that is right for you when you are 25 and unmarried may not be the same life insurance that is correct even ten years later. It needs to be reevaluated from time to time. At Family Insurance Associates in Ruidoso, NM, we know that this is not a subject most customers are very familiar with. We are delighted to discuss all the vital information with you. As independent insurance agents, we have loads of options to find the perfect fit.
When you first go out on your own
Part of adulting is taking responsibility for your life. You are young and healthy, and dying is probably far down on your list of worries. But, it is never too soon to take responsibility for any debt that you may have. You may not need vast amounts of life insurance, but making sure you have some is good.
When you change employers
If you count on the life insurance provided with your benefits package through your employer, changing jobs will affect your life insurance.
When you start a family
Children are the most major change you will probably ever make in your life, and they are certainly someone you need to provide for. This long-term thing may require years of your income, depending on how young your children are.
Once you are retired, there may be very little need for life insurance unless you are not in a position to pay for final expenses. Talk about the options with your independent insurance agent.
Contact Family Insurance Associates in Ruidoso, NM when you are ready to sit down and discuss what your life insurance needs are.