When buying life insurance, you can be overwhelmed by information overload. Kalivas Insurance assists you by providing you with only the information you need to make the correct choices when protecting your family’s future from tragedy that may strike.
TYPES OF LIFE INSURANCE COVERAGE WE OFFER
- TERM LIFE INSURANCE – modified, graded, and decreasing
- PERMANENT LIFE – WHOLE LIFE INSURANCE
- PERMANENT LIFE – UNIVERSAL LIFE INSURANCE
- JOINT LIFE INSURANCE
Why do I need a Life Insurance Policy?
Many people consider it morbid to even consider buying life insurance, BUT the reality is everyone does die and expenses are left behind at death. While some are able to self-insure for that circumstance, even the wealthiest can create problems when money becomes tied up and relatives are left with burial and other debts that require payment. Not providing life insurance to cover one’s expenses is not only poor planning, but selfish.
How much life insurance should I buy?
When buying a life insurance policy, it is important to have enough coverage for expenses your loved ones will incur upon your death. Examples of these costs are funeral expenses, education loans and mortgage loans along with the hardship of losing your financial support. Five to ten times your annual income is the normally recommended amount suggested.
Your loved ones can benefit from the inheritance of your life insurance policy benefits. Our dedicated team of life insurance professionals understand Massachusetts market and regulations and can find the right plan or combination of plans for your specific needs. Call us at (781) 648-0060 or Contact Us to learn more about the life insurance policies we offer and which plan is best for you.