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"It’s a scary thing trying to find the right insurance coverage, but Sue Chambers took a lot of that anxiety and fear out of the equation. I was able to get personalized recommendations on which coverage would best fit my needs."
— Lucy L., SUE CHAMBERS CLIENT
FAQs
How much life insurance do I need?
We generally recommend the needs-based analysis which takes both your immediate cash needs, and future income requirements into consideration in the event of an untimely death.
What's most important is to make sure you have enough when you need it by performing an insurance review.
What type of insurance should I buy?
There are 2 types of insurance term and permanent
Term insurance covers a specific time frame during which you are essentially "renting" the insurance. You pay the premiums but do not build up any cash value. When the term is up or you stop paying the premium, the coverage ends.
Permanent insurance, on the other hand, is just that: permanent, covering your entire lifetime. Think of this type as "buying" versus renting, as you actually can build up cash value in the policy. This cash value can provide flexibility to pay for premiums or borrow against.
How much do they cost?
Term insurance is usually the more affordable option. However, you may determine that while you'd prefer to buy permanent insurance, the premium may be too difficult to afford. Therefore, having both term and permanent may work best for you and over time as your needs become more complex, you also have the ability to convert term insurance to permanent insurance. We believe your primary goal should be to have the proper amount of life insurance coverage, no matter the type.