Why Do You Need Life Insurance?
For The Unexpected...

        Everyone's life insurance needs are different but, in general, an individual's needs are greatest from the time they start their careers or a family until they reach retirement when an individuals' needs for life insurance diminish. It is important to remember that you should review your life insurance needs annually to account for changes in your family's lifestyle.

       While there is no magic formula to determine how much life insurance you should have, there are a number of factors that should be considered when estimating how much life insurance you should carry. They include:

• Mortgage Cancellation - Term insurance is most popular because it can payoff your home mortgage in the event of your death...eliminating the burden for the loved you left behind.
• Final Expenses - Unpaid hospital bills, funeral expenses, unpaid debts, probate costs, and estate and inheritance taxes
• Readjustment Funds - An immediate lifestyle adjustment that a family must make when a loved one dies. The family may be forced to move, or the surviving spouse might have to look for a new job. In addition, a working spouse may find it difficult to return to work immediately after the death of a partner.  The readjustment fund allows for adequate bereavement due to loss
• Supplemental Income - After the readjustment period, there should be a consistent income stream to help pay for the family's living expenses, such as mortgage payments, monthly bills, and daycare
• Educational Funds - Adequate funds should be available for the education of the children. This might include elementary school, high school, and college
• Retirement Funds - Will ensure adequate funds are available to ensure that the spouse can retire comfortably

  Could your family weather the storm should something happen to you? Life Insurance can help ensure your family's future.

Request a Texas Health Insurance Quote (quotes will encompass all carriers below)

Selected Benefits, Inc. Steven Wendlandt - Licensed Agent 3000 Weslayan, Suite 273 / Houston Texas 77027 2633 McKinney, Suite 130-156 / Dallas Texas 75204 3616 Far West Blvd, Suite 117-125 / Austin Texas 78731 Houston Metro: (713) 621-1440 - Toll Free Phone: (866) 270-6209 - Toll Free Fax (877) 718-8056  e-mail: info@selectedbenefits.com

Offering individual and family Texas health insurance well as Texas small group health insurance and Texas small business health insurance. Selected Benefits does not offer to sell, nor solicit an offer to buy any health insurance, life insurance or any other insurance product in any jurisdiction in which the agent is not authorized to do business or the product is not approved. Specific product availability will vary by state. Health insurance currently offered in Texas. Texas health insurance may be issued by one of the following companies: Aetna, American Medical Security, American National Life Insurance Company, Blue Cross Blue Shield, Cigna, Fortis/Assurant Insurance Company, Golden Rule Insurance Company, Humana, United American Insurance Company, United Healthcare Insurance Company, UniCare Health & Life Insurance Company & World Insurance Company. With Aetna & Cigna, If  you've had any prior creditable "group" OR "individual" health insurance coverage within the last 18 months with less than a 63 day break in coverage, they will waive the pre-existing condition limitation for the length of time you were insured by the creditable coverage (Credit for time served). REV 12/02