Let Us Do the Homework for Your Term Life Insurance

Life Insurance

Shopping for term life insurance? In my opinion, there’s no better way than to do it online these days. When it comes to term insurance there are many carriers out there but I think most people want to know they’re making the right decision. Typically, the carriers offering term are rock solid companies with a strong financial background. Sometimes it’s just a question of how much coverage you think you need and what your pocket book can handle.

Why not let the Pivot site do your home work for you? We can help take the guessing game out of the equation. We offer multiple life insurance carriers and more importantly, provide a “needs analysis” calculator. It’s an incredibly easy tool to help you determine how much life insurance coverage you need to cover your costs and current salary.

When we’re thinking about life insurance coverage, two big topics always pop right out. The first is your mortgage. After finally being able to purchase a home, it’s the last thing we would want to lose if there was a catastrophic loss of a spouse. You want to be able to cover the cost of that mortgage, so that your investment is not lost.

The second biggest concern is usually the kids. We all would like to see our children attend college and get the best head-start that they can in life. With soaring costs for education, term insurance is one of the best way to take care of a spouse who would have to deal with those costs, or even the children themselves who would be burdened with college loans. Want to send your kids to Harvard? We can help you determine the amount of death benefit you would need to do that.

The last consideration is always a loss of income. We don’t always think about the loss of income from an opposite spouse and how much they would have made if they were still alive. Our online term insurance calculators will have a model to solve for this loss.

So let us do the homework for you! Get a price range from the best life insurance carriers out there and let us help you solve for the proper death benefit that fits your family’s needs. 

About the author: Mark Yurkovic has been in the life insurance business for over 12 years, and holds CLTC, LUTCF, and CES designations. He enjoys building remote control boats, and playing instruments including the piano, guitar, banjo, and mandolin. Mark would love to discuss life insurance options and work towards finding the best policy fit for your family. You can contact Mark at 1-800-651-1953 or MYurkovic@Pivot.com.