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Life Insurance Quotes, Resources and Options for Residents of Baltimore, Annapolis, Westminster, Columbia, and Bel Air.

Up to 40% of the people that die each year do not have any life insurance

Some estimates put the number of people who have inadequate life insurance protection at 50 million - even though life insurance is an essential element in any financial program and usually very inexpensive. Life insurance policies are purchased for a variety of reasons and fulfill a wide range of purposes. Life insurance proceeds can be used to:

• Provide for future education expenses
• Pay off a mortgage or other consumer debt
• Set up an annuity to provide future income for a surviving spouse.
• Cover funeral expenses

Common life insurance mistakes

A quick needs review with one of Kirby Insurance's experienced agents can help you avoid these mistakes:

1. Not having enough life insurance. This happens because people often employ the seven-times income rule of thumb when determining life insurance limits. But life insurance needs are very different for a single male, nearing retirement, with a paid-for house, than it would be for a young, married man with 3 young children - even though their incomes might be identical.
2. Assuming all life insurance is priced the same. In fact, there are dramatic differences between life insurance policies - that's why we represent several top rated insurance companies.
3. Not including non-monetary compensation when calculating life insurance needs. For instance, if your spouse does not work, but is the primary care provider for your children, his "income" from child care will have to be provided for in the event of his passing.

Let us save you time and worry by helping you sort through your life insurance needs. Call or contact us for a consultation or complete our secure, online quote form to get started today!

Life Insurance Resources:

• What type of life insurance to buy?
• How should I organize and store my life insurance records?
• Life Insurance for Key Employees