Life Insurance

Looking for Life Insurance in Wyomissing?

Life insurance is not only the cornerstone of a solid financial plan, but is also 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.

If you have all three, hopefully you already have life insurance. Here are a few other reasons to have life insurance:

  • Charitable donations
  • Pay federal death and estate taxes
  • Create an inheritance for your heirs
  • Pay final expenses

We make buying life insurance easy!

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

We have access to a wide range of life insurance companies so we can survey the marketplace and, based on your individual rating criteria, find 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?

If you don’t understand the difference, that’s okay. That’s what we’re here for!

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

How much life insurance do I need?

A mistake that we often see people make is basing their life insurance coverage on a guess, or just picking a number out of thin air without realizing what the impact of inflation could have on their life insurance proceeds.

One of the benefits of working with an independent agent like us is that we can sit down and, through a comprehensive needs analysis, determine the exact amount of coverage you will need to protect the people who depend on you.

The amount of coverage you need depends on a number of variables. Here are a few examples:

  • Number of children you have
  • Your future earnings potential
  • Whether or not you’re married
  • Spouses future earnings potential
  • You and your spouse’s 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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