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Life Insurance

Insurance that guarantees a specific sum of money to a designated beneficiary upon the death of the insured or to the insured if he or she lives beyond a certain age.

How much life insurance do you need?

Here are a few points to consider as you start your life insurance evaluation:

  • You may want to adjust the total life insurance amount because of cost of living and inflation factors.
  • Since your family's needs change, you should have your insurance agent help you review and update your life insurance policies annually.
  • Insurance policies can help supplement your retirement income.
  • A good rule of thumb is 30 to 50% of your annual income, per need.

What would your family's need be should something happen to you?

  • Final expenses
    • Final medical and hospital costs
    • Funeral
    • Attorney/executor fees
    • Probate costs
  • Emergency fund
    • Major home repairs
    • Auto repairs
    • Medical emergencies
  • Debt repayment
    • Auto loans
    • Home equity loan
    • Credit Card balances
    • Other....
  • Annual dependent/home care expenses
    • Care for dependents
    • Home maintenance
    • Food/Clothing

What are your existing liquid assets and life insurance policies?

  • Life insurance (including group life policy)
  • Cash and savings accounts
  • Other liquid assets
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A native of Buffalo, NY Roland Cannizzaro would like to invite ALL NY residents especially Erie county to call and see for themselves how much they can save!

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