Welcome to the greatest responsibility of your life! Why do we need to purchase life insurance? To help protect the one's we love and who depend upon us. Not having enough life insurance can cause serious financial issues that your family will have to face if the unexpected happened.
Life insurance creates a "Safey Net" that will help preserve your family's lifestyle, dreams, & aspirations in the event the unexpected happened.
Two reasons why you buy life insurance:
1. To pay off any bills that you may owe. 2. To make sure your family can continue to make ends meet since your income is no longer coming in.
Ask yourself this question:
If the unexpected were to happen to you today could your family afford to pay the normal monthly bills they have now without your income coming in anymore? If you answered "Yes" then you don't need additional life insurance coverage.
But, if you answered "No" then you definitely need additional life insurance coverage!
Unfortunately, over 80% of all families do not have enough life insurance coverage to help protect them financially if the unexpected were to happen.
How much life insurance coverage should you have? Any financial advisor that you meet with will recommend that you have anywhere from 5 to 10 times your annual income in life insurance coverage.
"Let us show you how affordable it is to help protect your families financial future"
Our Agency offers:
Term Life Insurance
Return of Premium Term Life Insurance
Whole Life Insurance
Universal Life Insurance
Equity Indexed Life Insurance
Single Premium Life Insurance
Own the best term life insurance plan in the market place today!
93% of all term policies never pay a death claim. Insurance companies get to keep all the premiums you have paid in if your policies benefits were never used. Make sure your premium dollars are not wasted ever again! Our most requested term life insurance product is a "Return of premium term life insurance" plan that will"Give you all of your money back" if you never have to use the policies benefits!
This plan gives you the peace of mind to know that if the unexpected where to happen your family would be taken care of. But, if your policies benefits were never used your premium dollars would not have been wasted because at the end of your policy term you would get back all of the premiums you paid into your policy in a "Tax Free" lump sum check!
"Protection for your family if needed; All of your money back if you don't" There is no better life insurance product available anywhere in the marketplace!
Whether you are looking for Low cost term life insurance, Return of premium term life insurance, or Whole life insurance that builds cash value for the future; We have a plan to help meet your needs!
For a guideline to use to help determine how much coverage you and your family needs click on the "PDF attachment" below:
For a quote on life insurance coverage complete and send the contact form below:
Howard Shanley is a local South Carolina insurance agent and provider of affordable insurance quotes, rates and options for health, medical and dental insurance for SC families, individuals and children, small business and self employed as well as whole and term life insurance, disability, supplemental cancer, unemployment and job loss and mortgage protection insurance and retirement planning services like indexed annuities.
Local South Carolina Insurance Agent Providing Low Rates, Free Quotes and Affordable Options.
