Nobody likes to dwell on life insurance, but it is the way to protect the ones you love. Most people rarely discuss it and know even less about it. At Jason Ridley Agency in Colleyville, TX, we are an independent insurance agency that allows us to offer more choices to our customers and provide the personalized customer service they deserve. 

What type of life insurance do I need?

Your insurance agent will be able to tell you the benefits of the different types of life insurance, but basically, term life insurance is less expensive but only provides a death benefit. When you need to have a lot of life insurance, it is the preferred option, but it will go away at the end of the term. Whole life accumulates cash value, so it also has a place in your financial plan for life. 

Can I just count on my employee life insurance policy?

Company-provided life insurance is a great benefit to have, but counting on it for your entire safety net is risky. What if you leave your employment? What if your company goes belly up? You could be left with no life insurance at the time you need it most. It is always a good idea to have some of your own life insurance which you control. 

How much life insurance do I actually need?

Life insurance depends on your personal situation. How many people depend on your income? What are the ages of your dependents? If you have children, you need more than if you are single with no dependents. The age of your children will determine how much and for how many years you need to provide income. Your independent agent can help you come up with a figure. 

Contact Us Today

Give us a call or stop by our office to discuss your life insurance needs at Jason Ridley Agency in Colleyville, TX.