Life Insurance

The most important gift you can give your loved ones is peace of mind

Life insurance is one of those topics that can be tough to talk about. But, DenTen is here to make the process quick and simple. Our network of specialists have the knowledge you need to make the best decisions for your family’s future.

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Here’s a few basic Q&A’s to get you started

Why would I need life insurance?
Regardless of your age or health status, life can be unpredictable. In the event of your passing, financial security for your family is crucial, with income replacement being one of the top reasons why people buy life insurance. Obtaining a life policy helps you to plan ahead, reduce financial burdens, and provide resources to your loved ones when they would need it most.

How much life insurance do I need?
This is the quintessential question. And, the answer is different for every person. One rule of thumb is to estimate 10 times your annual income, but that can vary based on your particular lifestyle. When talking with an agent, it’s important to ask yourself, “How would my family make ends meet if my income was no longer contributing? It’s also important to factor in other outstanding large debts such as your mortgage; you’ll want to add that amount to your coverage quote as well.

What are the different types of life insurance?
There are many different kinds of life insurance policies, each one fulfilling different needs. These are typically broken into two main categories: Term Life: covering a specific period of time; and Whole or Universal Life: covering your entire lifetime (subject to on-time payments & policy terms). DenTen’s specialists will review pros and cons of each for you to determine which type of policy fits best for your circumstances.

What are the most important things to discuss with an agent when getting a life insurance policy?

● Any debts or dependents you may have
● Medical history
● Financial & personal goals: to determine the best type of policy for your lifestyle
● How much coverage to apply for

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