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life insurance

Life Insurance Can Be Quick And Easy
If you have not looked at life insurance rates in the past few years, chances are you are paying too much. Contact us for a free quote today.

Why Get Life Insurance?

Life insurance is an important precaution to consider for you and your family's financial future. Take action with our ability to offer you a free life insurance online quote. We encourage you to speak with our friendly staff to explore what options life insurance can provide for your future. Making an informed decision can help identify your specific needs for life insurance. There are various ways life insurance may benefit you and your circumstances. The staff at Gaines Insurance is determined to find the right coverage for you and your future.

Planning ahead for yourself and for your family ensures the financial future of the ones you love. If you support family members or have any kind of financial debt you do not want to pass on to them, you should have life insurance. Married couples with or without children should have affordable life insurance in place to protect what you have today and to care for your loved ones in the future. An affordable life insurance policy can continue to support your family in the way you care for them today. Let Gaines Insurance help you support your family’s future and preserve the quality of life that you have already provided.

What is Adequate Coverage When it comes to Life Insurance?
There some common rules of thumb when it comes to determining how much life insurance you need. One is taking your annual earnings and multiplying them six to ten times. For example, if your annual salary were $50,000, this approach would indicate that the amount of life insurance you need is between $300,000 and $500,000. *Please note that these numbers will vary between individuals based on age, ages of the children, amount of debt, or estate tax upon your death, etc. Please contact us for questions about a policy that is right for you.

Consider these additional factors when evaluating the amount of coverage:

  • The amount of yearly income needed
  • The number of years this income will be needed
  • The average annual percentage of interest your investments will earn
  • Future college education expenses
  • Anticipated funeral and burial expenses
  • Retirement needs
  • Special needs for children or other family member(s)

Get a free quote today and see how you can protect your future, you will be glad you did!

Term Vs. Whole Life Insurance

Whole Life Insurance
Deciding what best fits your life insurance needs can be confusing. Understanding the options that Gaines Insurance can offer you is one way to clarify what coverage will fit your specific needs.

A Whole life insurance policy delivers lifelong protection. It covers you for as long as you live and makes the continuous timely premium payments. Whole life insurance builds cash value, which is a return on a portion of your premiums that the life insurance company invests. With level premiums and the accumulation of cash values, whole life insurance is a good choice for long-range goals. The guaranteed cash values can provide money later on to help with temporary needs or emergencies. There are a variety of choices for Whole life insurance such as:

  • Permanent Life Insurance
  • Ordinary Life Insurance
  • Standard Life Insurance
  • Universal Life Insurance
  • Adjustable Life Insurance
  • Variable Life Insurance
  • Survivor Life Insurance

Term Life Insurance
Term life insurance provides coverage for a specific point in time. If you don't intend to keep your life insurance policy for the long term, usually 15 years or longer, Term life insurance may be the better life insurance option for you.

Need Advice? Please contact us; our staff at Gaines Insurance is committed to satisfy all your Life Insurance needs.

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