Life Insurance and Financial Services

To put it simply, Life Insurance may be one of the most important purchases you ever make. Life is unpredictable and you have no idea when you’ll need insurance. That is why it is crucial to plan ahead. Life Insurance is a cornerstone of any responsible financial plan.

At MetzWood, Life Insurance is the most important protection that we can provide. Like many other types of insurance, your need for it will be different based on your unique circumstances. An established family or business person will have different considerations than a first-time homebuyer or new parent looking for coverage for the first time.

After analyzing your needs, we review the Life Insurance market to find you the best price for the coverage that fits your needs. MetzWood serves as a broker for more than 30 of the finest companies, allowing us access to competitive pricing, robust product offerings, and varying underwriting guidelines.

Life Insurance

We provide and help with many types of coverage:

  • Life Insurance:
  • Term
  • Whole Life
  • Guaranteed Universal
  • Long Term Care
  • Annuities
  • Disability

With all of the different policy types and considerations, tackling Life Insurance on your own can be a daunting task. MetzWood is here to help navigate this complicated process. Call us and ask for a member of our Life Insurance Team, or fill out our online quote form. Together, we will craft or review a Life Insurance plan that gives you peace of mind.

FAQs

Q: Is it a good idea to buy additional life insurance on top of the coverage provided by my employer?

A: Yes, this is typically always a good idea. Coverage from an employer is generally one or two times your base income. For many, this would not be enough to cover a mortgage, final expenses, and a year of income replacement. It is important that you have a coverage layer on top of your employer-sponsored coverage. Additionally, when you retire or leave the company, you will lose this coverage.

Q: Can I buy more than one life insurance policy?

A: Yes! Many people will have a large term policy with a small permanent policy so that they can accomplish different goals.

If you would like to learn more about this, give us a call at (518) 392-5161.

Q: How do I know how much life insurance I should get?

A: There really is no one size fits all answer to this. Life insurance coverage ranges from final expenses to income replacement.

Give us a call at (518) 392-5161, and we can guide you through the coverage determination process.

Q: Are there any ways to save money when buying life insurance?

A: Some steps can potentially save you money when buying life insurance. One tip to follow is to purchase young in order to lock in the lowest rates so that you don’t end up paying large premiums in the future.

We always recommend speaking with your life insurance team to discuss your specific needs so that we can find the best rates for you. Give us a call at (518) 392-5161.

 

 

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