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Q & A: Do I Need More Life Insurance?

We printed this Q&A column in the Dec. 10, 2017 edition of The Lewiston Tribune.

Q: Do I need more Life Insurance?

A: The answer is probably “yes.” This is the question people ask during the holidays as we gather our loved ones close. People tend to be underinsured in relation to their goals of protecting the financial security of their family. Your life insurance death benefit needs to be high enough to pay off last expenses, debt, home mortgage, fund education costs, and create an investment account large enough to replace most of the monthly income you would have provided with investment income.


We have a free resource that can help you calculate how much life insurance you really need. Its quick, easy and free. Just send us an email request to: Life [at] Am-Ins [dot] com and we will send you a link to our online “Life Needs Calculator.”


The fact is, term life insurance is very affordable and inexpensive. For example, a healthy, preferred risk, 30 year old male, who is a non-tobacco user, can buy $500,000 face amount of a 10-year level term life insurance policy for as little as $15 per month in premium.


American Insurance finds you the best rates on term life insurance. We quote 8 of the top life insurance companies with just one request.

Meet with one of our local agents

Our Agents - Shawn Sullivan, Philip Sullivan, Jeremy Van Houten, Dave Root, or Tim Gleason - can help you decide on the right amount of coverage at the right price. Call for an appointment at 208-746-9646, request a Life Quote online or email us at Life [at] am-ins [dot] com.

More articles about Life Insurance

Here are some more articles published on our FAQ blog about Life Insurance:

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