We have all heard the phrase “expect the unexpected,” but we prefer the term “prepare for the unexpected.” Life insurance allows us to protect what matters most to each of us even after we are gone: our families. Purchasing life insurance is not about you, it’s about them. Did you know that most people significantly underestimate the importance of life insurance? Life insurance is one of the most important investments every family needs as part of a secured financial future. There are many ways life insurance can help provide protection and financial security for your loved ones in the event of your untimely death.
These include income replacement, tuition payments for children, mortgage protection, wealth transfer, final payments, and more. There are two main variables that affect the cost of your life insurance policy: your health and your age. Whereas there are many variables which affect what coverage options you may need to consider, such as marital status, number of children, household income, debt, age, etc. In the end, investing in life insurance now can take the financial burden off your loved ones’ shoulders later and using an independent agent allows you to have an expert navigate these variables for you at no additional cost. Let us find you a well-matched plan that keeps your monthly costs low. The longer individuals wait to purchase life insurance, the more expensive the policy gets. We can help you understand the nuances of whole life and term life plans so you can have peace of mind to know that your family is well-covered.
Term life insurance is a great option if you want an affordable short-term policy in tune with where you are in life. Term insurance provides protection for a specific period of time (the “term”) and generally pays a benefit only in the event of death during the term. Term life insurance can give you peace of mind that, if the worst were to happen, your loved ones’ financial futures are secure.
A whole life insurance policy offers premiums that do not change over time, and a death benefit and cash value amount that are guaranteed.
We believe that every client deserves more than what the typical insurance agency provides, and we find purpose in helping our clients find affordable solutions for protecting their family's future. We are honored to serve our clients in Northeast Ohio as their preferred local, independent insurance agency. Contact us today to discuss a solution that you and your family deserve. With Brooker, you’ll have peace of mind when it matters most.