Life Insurance

Some life events we all look forward to - getting married, buying a home, raising a family, sending them to college, and retirement. We also need to be prepared for unexpected financial changes or untimely death of the family breadwinner.

You insure your home, auto, and other property. Why not also insure something very important to your family - yourself. You may either bring in the family income, or take care of your family in ways that cannot be replaced. A well designed Life Insurance policy can help your family get through a difficult time if you or someone you depend on dies. The death benefits can be used to safeguard your family's future by funding a college education, paying for final expenses, or paying off the mortgage. There are many kinds of policies and some are very flexible, so they can be changed as your needs change.

There are many different opinions about how to determine how much life insurance you need to carry. Some take a multiple of years multiplied by income. Some figure up costs that the survivor will face. Some want to leave a legacy. Others buy as much as they can afford. We can work with you to determine what fits your needs.
Key points are:

• If you have children you need to have enough life insurance so that financial trauma will not be a result of your death.
• Stay at home mothers are key to the family unit and should be protected since someone will have to cover the duties that they performed.
• Life insurance at work is great but you should always carry policies independent of work. Today’s workplace is complicated. Layoffs and self-employment are strong possibilities. As we age, our ability to secure affordable life insurance is diminished.
• Burial policies are very important. I can name 10 people in my life that are paying on a funeral that occurred over a year ago. The person that died was a brother, mother-in-law, child, etc. Burial fees are high but burial life policies are inexpensive.
  

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McKee Insurance of Texas provides the best service and value in auto, home, life, umbrella/liability, renters (contents) and business insurance. McKee Insurance of Texas proudly serves the insurance needs of the northern Texas towns of Celina, Texas; Gunter, Texas; Prosper, Texas; Frisco, Texas; Pilot Point, Texas; Aubrey, Texas; Krugerville, Texas; Weston, Texas; Melissa, Texas; Anna, Texas; McKinney, Texas; Little Elm, Texas; The Colony, Texas; Dorchester, Texas; Howe, Texas; Sherman, Texas; Denison, Texas; Pottsboro, Texas; and Preston, Texas.