How Much Life Insurance Do I Need?

Posted: July 22, 2021

Calculating how much life insurance involves evaluating your financial circumstances, which vary widely from family to family. In essence, you want a policy that will cover income loss due to death, provide your family with the capacity to pay off all bills, and provide your family with the financial support your dependents need. A basic calculation is to purchase a policy that pays out ten...

What is a Life Insurance Ladder Strategy?

Posted: July 7, 2021

If you have family members you love, it is imperative that you protect them by putting a life insurance policy in place. A "ladder" strategy is a technique in which you purchase several term life insurance policies with a range of term periods rather than buying a single policy.  Calculating the Financial Needs of Your Loved Ones  The process starts with calculating your family's projected...

Term Life Insurance Facts You Should Know

Posted: April 19, 2019

Your family depends on you for personal and financial support. Term life insurance is one way you can protect them should you suddenly pass away due to an accident or illness. It's important to understand how term life insurance works and the pros and cons of keeping this type of protection in place. At Christensen Insurance, in Susanville, California, we have pulled together some of...

3 Key Differences Between Whole Life Insurance and Term Life Insurance

Posted: March 5, 2019

Insurance can be a confusing subject, and at Christensen Insurance in Susanville, California, a local agency, we want to clear up some basic questions for you. Most families put some type of life insurance in place, and figuring out whether they should buy "whole life insurance" or "term insurance" is the big question. These are very different insurance products, each with pros and cons. Term...