Life Insurance

Looking for Life Insurance in St. Louis?

Life insurance is not only the cornerstone of a solid financial plan, but it’s 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 no-brainer.

Hopefully, you already have life insurance. If not, here are a few other reasons to have have it:

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

 

We make buying life insurance easy — It’s Good Policy.

At POWERS Insurance, we make the process of buying life insurance extremely simple.

We have access to many life insurance companies, allowing us to survey the marketplace for you. Based on your individual rating criteria, we’ll find you the best possible life insurance 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?

It’s alright if you don’t understand the difference. We’re here to help.

Life insurance is based on two main variables — your age, and your health.

How much life insurance do I need?

A mistake people often make is basing their life insurance coverage on a guess. They grab a number out of thin air without realizing what the impact of inflation could have on their life insurance proceeds.

You will only benefit by working with an independent agency like POWERS. We can sit down, and through a comprehensive needs analysis, determine the exact amount of coverage you’ll 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
  • Spouses future earnings potential
  • You and your spouses age
  • Amount of debt you have

 

How to get started on your Life Insurance quote

To get started on your quote, call our office or click over to our quotes page.

Either way, we’ll make the process simple!

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