Everyone needs life insurance. Of course, if you die without it, you aren’t likely to need it ever again, but your family and loved ones will pay the price. Pufalt-Pauley Insurance Agency in Belleville, IL, works with customers in Illinois and Missouri as well as Indiana and Florida to provide affordable life insurance solutions with value for you and your family.

Why Life Insurance

A life insurance policy can help your family pay your final expenses. The right policy will also help your loved ones pay the bills if you are no longer able to earn a living. Some life insurance policies build cash value so you can borrow against them in a time of need, and newer life insurance options provide resources for customers who outlive retirement funds.

What Product Is Right for You

Life insurance policies range from $10,000 term life policies to multi-million-dollar whole life investments. Unfortunately, most consumers don’t understand life insurance, and as a result, it remains one of the most under-purchased insurance products in the United States today. The insurance professionals at Pufalt-Pauley Insurance Agency will take the time to explain the different types of life insurance to you. We’ll share with you the benefits and drawbacks to term life and universal life insurance. As your circumstances change, we’ll provide regular policy reviews to help you assess what coverage you need in order to provide for your loved ones.

The right life insurance policy today might not be the right policy a year or two from now. In addition to regular policy reviews, we recommend reassessing your life insurance coverage anytime you experience a major life change such as

• Getting married
• Getting divorced
• Having or adopting a child
• Buying a new housev
• Refinancing your home
• Receiving an inheritance
• Planning for retirement
• Opening or expanding your own business
• Having a significant change in household income
• Being diagnosed with serious health issues
• Taking responsibility for an aging relative
• Sending a child off to college

Call today to learn more. We look forward to helping you care for your family’s future.

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