Frequently Asked Questions

Life Insurance: Life


Life insurance - Do I need more coverage?

Q: Do I need more Life Insurance?

A: The answer is probably β€œyes.” People tend to be under-insured 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. Find a link to our online β€œLife 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 .

More articles about Life Insurance

Here are some more articles published on our FAQ blog:

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FAQ Disclaimer

The content of FAQ articles are general in nature and are not intended as a substitute for professional legal, financial, or insurance counsel for individuals. Insurance coverage forms vary by issuing company and by state. For specific advice contact us.

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