Contact a LOCAL agent, and have him/her do a free Financial Need Analysis (FNA), or other Total Need Program, to help YOU determine in YOUR own mind how much and what type of life insurance YOU need to fulfill YOUR short and long-term goals and objectives.

Don’t let an agent tell you that you need this type or that type or amount without first doing the FNA. If they do, they are not being professional, but doing you a disservice, and are nothing but policy peddlers. If you don’t want the FNA, that’s up to you, but it should be offered.

After you have received the FNA, you will have gained knowledge to help you decide what your needs are, and what type or types of coverage you need to fulfill them.

The agent will discuss your insurance need, and make recommendations on how to fulfill it, based on your ability to pay premiums. He/she will give you several options from which you can decide. Remember, it’s YOUR plan and no one else’s.

The FNA will also help you determine if you need Disability Income Insurance to pay a monthly income should you be hurt or ill and can’t work. It will also help you determine if you need an Individual retirement Account (IRA) to help you save for retirement. All that will be there when you get there is what you send on ahead.

According to statistics, disability is a greater risk than death prior to age 65.
References :
Retires Agent, Mgr. 30 yrs.
Former FNA Instructor.