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How much life insurance is enough

When it comes to life insurance, most people are not very knowledgeable. They have to count on someone to tell them how much life insurance is enough. What may be enough for one person will not be the right amount for another person. Experts have some general criteria to determine the amount they suggest depending on your earnings, but your life and how to maintain it is so much more than just some figures. Having an insurance agent who knows you well enough to make you feel comfortable helps make this a less nerve-wracking process. Oak Ridge Insurance Services in Oak Ridge, NC is here to guide you through the process and make sure you are comfortable both with the coverage and the price of your protection. 

How much life insurance is enough depends a lot on where you are in your life. Someone with small children will need much more coverage than someone whose children have all flown the nest. All of your liabilities also need to be taken into consideration. Do you have a mortgage? Any other debt that would be a hardship if left unpaid by your passing? No matter where you are in the circle of life, you need to have enough life insurance to pay for your final expenses. 

Optimally, making sure that those you leave behind are provided for is the goal of life insurance. What that means may differ from person to person. It can mean caring for aging parents, providing for a spouse and children, or leaving a legacy for your grandchildren. Only you will know for sure how much life insurance will be required beyond your savings and assets to make this happen. 

When you are ready to discuss your life insurance needs, we are prepared to sit down with you and answer any questions. Give us a call at Oak Ridge Insurance Services in Oak Ridge, NC and let us help you make sure you have enough life insurance. 

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