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3075 N Market Ave, Ste. 1,
Fayetteville, AR 72703

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Arkansas Insurance Blog

Life Insurance FAQs

Do you have questions about life insurance? Having an insurance agent you can count on to answer those questions is important. At Adams Insurance & Financial in Northwest Arkansas, we have an experienced team of agents who are ready to provide the information you need to make a decision about what life insurance is right for you. 

Life Insurance FAQs

When should I review my life insurance?

If there is nothing changing in your life, a yearly review should be adequate to make sure that you have exactly what you need. But if you have had any life changes, changing jobs, getting married, having children, or retiring, it is a good time to do a review of your coverage. 

Do I need to buy life insurance if I get some from work?

Simply stated, yes you do. Can you guarantee that you will only work for this one employer for your entire work life? The average is 12 jobs in a lifetime. That means changing your life insurance 12 times. In order to secure the future of your dependents, you need to be in control of the amount of life insurance that you have. You need your own life insurance and your employer coverage is a nice additional benefit. 

When is the best time to buy life insurance?

Before you need it is the obvious answer. When you are young and healthy, life insurance is the most affordable, but, for term life, it makes more sense to buy it after you have dependents. You want to make sure that your dependents are protected for as long as they need to be protected. With a 20-year term, you probably need multiple policies that extend the term you are covered to up to 30 years. 

Give Us A Call

Contact Adams Insurance & Financial in Northwest Arkansas when you have questions about life insurance or need to get a life insurance policy. 

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  • Equipment International Insurance Company
  • Foremost
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  • State Auto
  • The Hartford