Life Insurance

Life Insurance

Are You Looking for Life Insurance in Clallam County?

Life insurance is not only the cornerstone of a solid financial plan, but it is hands down one of the most cost effective ways to protect the people who depend on you financially.

What would happen to your family if you were to die prematurely? Would they be able to maintain their current lifestyle?

Would your kids be able to go to college? Would your spouse be able to shoulder the load with one income?

If you have a child, are married, or you are carrying any kind of debt, purchasing life insurance is a wise choice and hopefully you have already aquired it. Here are a few other reasons to have life insurance:

  • pay federal death and estate taxes
  • create an inheritance for your heirs
  • pay final expenses
  • donations to a charity

We make buying life insurance easy

At Meldrum Insurance and Financial Services, we make the process of buying life insurance extremely simple.

We have access to a wide range of life insurance companies so we can survey the marketplace and based on your individual rating criteria, find the best possible policy at the best price.

When purchasing life insurance there are a few things to consider. Do you want Term Life Insurance or Whole Life?

If you don’t understand the difference, that’s okay. That is what we are here for.

Life insurance is based primarily on two things:

  • Your Age
  • Your Health

How much life insurance do I need?

A mistake that we often see people make is basing their life insurance coverage on a guess, or just grabbing a number out of the air without realizing the impact that inflation could have on their life insurance proceeds.

One of the benefits of working with an independent agent like us, is that we can sit down, and through a comprehensive needs analysis, determine the amount of coverage you will need to protect the people who depend on you.

The amount of coverage you need depends on a number of different variables. Here are a few examples:

  • How many children you have
  • Your future earnings potential
  • Whether or not you’re married
  • A spouses future earnings potential
  • You and your spouses age
  • The amount of debt you have

How to get started on your Life Insurance quote

To get started on your quote, give us a call. It is never too late.