Life Insurance

It has been said that the best insurance policy is the one you never have to use. However, at some point, everyone is going to need a life insurance policy. If you die without one, you aren’t likely to need one ever again, but what about your family? At Wichert Insurance, we work with individuals and families of all walks of life, and we take pleasure in matching our customers with the right insurance policies.

Insurance to Fit Your Life

There is no one-size-fits-all life insurance policy. A young professional without a mortgage or children needs to have a plan for the future, but that plan will be different than the plan of a middle-aged business person with three kids and a mortgage. Wichert Insurance offers insurance options to fit every stage of life. We have term life insurance policies with death benefits just high enough to cover final expenses, and we have whole life insurance policies that grow cash value as well as providing a death benefit.

Policy Reviews for Life’s Changes

At Wichert Insurance, we recommend that our customers perform a policy review at least every 18 months. Circumstances can change significantly in that amount of time, and those who don’t intentionally review their life insurance could find that the coverage they have no longer addresses their needs. Life changes that should always be met with a review of your life insurance policy include

• A change in marital status
• Birth of a child or grandchild
• Adoption
• Opening or expanding a business
• A significant change in health for yourself, your spouse or your children
• Taking primary responsibility for aging parents or other relatives
• A new home purchase
• Refinancing a mortgage
• Receipt of a sizable estate or other inheritance
• Job transition
• Retirement

You can learn more about your policy options by filling out an easy online quote-request form. To ask questions or speak with an experienced insurance agent, call our office during normal business hours. We look forward to helping you prepare a secure future for yourself and your family.