Life Insurance

When choosing a policy, it’s important to find one that works best for you and your specific situation. Working with a skilled life insurance consultant at Health Insurance Services can help you find the right type of policy and suggest levels of coverage that are suitable based on your budget.



Expense: Determining Formula Estimated Dollar Amount
1.  Income Replacement 7-10 Times your annual income $                                     
2. Mortgage/Rent Your remaining outstanding mortgage or estimate of rental costs $                                     
3.  Outstanding Debt Outstanding loans, credit card debt, and other debt $                                     
4.  College Education Estimated cost of college per year, multiplied by four, then by the number of children $                                     
5.  Emergency Fund 25% to 50% of your annual income $                                     
6.  Funeral Cost Approximately $20,000 (moderate cost) $  20,000                   
7.  Total Cash Needed Add parts 1 through 6 $                                     
8. Total available Liquid Assets Cash, savings, checking, retirement funds, existing life policies, investments. $                                     
9.  INSURANCE NEED Part 7 minus part 8 $                                     

Join Our Newsletter

Life Insurance

Call Us Today

Litchfield, CT 06759

Medicare Plans

Group Health

Client Login
Forgot Password: Health Insurance Litchfield CT Medicare CT

Get A FREE, No Obligation Quote

Personalized Customer Service