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Life Insurance Services

HOW MUCH LIFE INSURANCE DO YOU REALLY NEED?

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The amount of life insurance you need depends on your financial obligations at the time of your death. Although no one can predict when they will die, or exactly what their financial obligations will be, we can help you estimate how much life insurance coverage you may need to help protect your family. Recent statistics reveal that most people may be underestimating their insurance needs. The face value of the average new life insurance policy is only $119,310 - not much considering the financial demands on the family.¹

For years, our experienced, licensed agents have met the insurance needs of individuals, families and small business owners in the communities we serve. We provide affordable, quality products and personal service to consumers looking to us for protection and coverage. You can quote yourself right now by using our online quote engine by clicking here: Life insurance Quotes from Protective Life Insurance Company

If you are not sure how much life insurance you really need you can use the simple online calculator below to determine exactly what your life insurance needs are.

IMMEDIATE EXPENSES

Immediate expenses arise during the first weeks or months following death. Without adequate insurance coverage, these expenses could add significant financial burden to a family’s existing debt.

1.) Final Expenses

$ Funeral and burial costs

$ Attorney fees, court costs

$ Hospital and medical bills not paid by medical insurance

$ Taxes

2.) Immediate Family Expenses

$ Household expenses, rent or mortgage payments, food, clothing, car repairs, medical care and other immediate needs and emergencies.

3. Debt Payments

$ Car loans, credit cards or other debts owed.

LIVING EXPENSES

Living expenses provide for your family’s day-to-day needs and future financial security.

4.) Mortgage or Rent

$ Mortgage payoff or about 15 years rent

5.) Children's Education

$ Total needed for college, technical school or professional school

6.) Family Income

$ per month for years

6.) Current Coverage

$ Existing coverage amount if any

Once you have determined how much life insurance you really need, please “Contact Us” toll free @ (866) 724 7123 for a free no obligation life insurance needs assessment.

1) Life Insurers Fact Book 2003, American Council of Life Insurers