Life Insurance Needs Analysis

There are two common methods for estimating and individual's total Life Insurance need; the Multiple Earnings Approach and the Needs Approach. 
 
The Multiple Earnings Approach takes an individual's annual income and multiplies it by a given factor then adds certain financial obligations that may become due at the time of death.  

The Needs Approach is a more detailed dive into an individuals situations and takes into consideration other financial resources that may be available.   

This Free No-Obligation service is ideal for both, an individual who is just beginning to build their financial security and also someone who has had their coverage for a number of years.  A Needs Analysis could identify the need for an update in your coverage. 

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