How Much Life Insurance Do I Need?

Life Insurance is not for you; it's for those you leave behind. To know how much you need, you should consider 3 factors - 1) Your Annual Bills Are, 2) Your Total Assets 3) Your Total Liabilities.

You should do some planning to determine how much coverage you should obtain, and the younger and healthier you are, the lower the rate you will pay.

This is a good Life Insurance Calculator  you could use:  http://finance.yahoo.com/calculator/insurance/ins01/

Next, you will need to decide what type of coverage to purchase - Term or Whole Life.  Term Life has a definite period of coverage with the lowest premiums.  Whole Life is sometimes referred to as Permanent Coverage because it does not expire and may also provide a cash buildup and/or dividend option. Which is better depends on your personal needs.  As you age, your financial needs and obligations will change, so if you have a good retirement plan, you may not need permanent coverage.  If you are not disciplined about saving or anticipate ongoing needs, whole life may be a better option.  Your Trusted Choice Agent can assist you with evaluating the amount and type of coverage that would be the most beneficial

There are hundreds of companies and hundreds of options that can be very confusing.  Add to that the line of Annuity products that are available to provide fixed income and tax savings, you could easily be overwhelmed.  Check with a Trusted Choice Agent to better understand your options and to obtain a solution crafted to meet your individual needs.

How to save money on life insurance -   insure now instead of later and have your Trusted Choice Agent offer options from multiple carriers.

Your Trusted Choice Insurance Agent, SouthGroup Insurance Gulf Coast wants you to know you can call on us with your questions or concerns seeking more helpful advice or answers to your pressing insurance questions. A full insurance review is always your best bet to make sure you have all of the adequate coverage for your personal insurance needs. Remember, we offer a personalized insurance review to anyone who is interested at no charge – just visit any one of our 3 convenient coastal locations!We are your LOCAL Trusted Choice Advisors, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com ,  SALES AND SERVICE AGENTS: Angelyn Treutel Zeringue, Tammy Garfield, Tammy Hogue, Brittany Jones, Denise Russell, e company who provides good claims support to hep you get back going after an incident.  It does you no good to spend very little for a policy that will not pay you or treat you well after a claim. Melissa Moran, Alex Treutel, Anne Gillam, Ashlie Moody, Mark Strickland, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail or in person: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: info@southgropugulfcoast.com , phone: 228-466-4498 fax:888-415-8922,  FaceBook www.facebook.com/southgroup.gulfcoast, or Twitter www.twitter.com/atreutel ! 

We have 3 Gulf Coast locations to serve you - 2505 Pass Road - Biloxi, 5400 Indian Hill-Diamondhead, and 412 Hwy 90 Suite 6-Bay Saint Louis, MS. We write coverage in 40 different states and can assist you with Mississippi insurance, Louisiana insurance, and Alabama insurance and many other states. 

Insurance is stressful, but we make saving easy.  We help you save money on insurance!

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