Novato, CA 94947 
The first step to learning about life insurance, is understanding its necessity and importance.
Life insurance is essential for a number of different reasons. It is a financial instrument that allows you to protect your family and loved ones when you're gone and also a tool to finance your objectives from education to retirement while you are alive.
Life insurance can be used to:
- Make provisions to take care of your family after you are dead, guaranteeing that your family will continue to receive income.
Give your survivors choices about their future - if you own a home, your life insurance might payoff the mortgage so your family can stay in the house rather than being forced to sell it.
- Provide an income to let your family maintain its standard of living and cover everyday expenses such as groceries, bills, rent, the mortgage, etc.
- Set at least enough money to take care of your final expenses so your loved ones won't have to worry about these costs.
Life insurance can also be used to:
- Supplement your retirement.
- Help cover the expenses of raising your children.
- Help pay for your children's education.
- Preserve your estate.
- Safeguard your home mortgage.
Did you know ... Most people who have insurance coverage don't have enough?
- The U.S. Justice Department calculated compensation to meet the needs of families of victims of the September 11, 2001 terrorist attacks.
- The government recommended approximate payments of 12 times income for couples with no children and 20 times income for households with children.
- The average life insurance need is about $459,000, but the average amount of life insurance owned is $126,000. The average underinsurance is more than $300,000.