(978) 369-0677 | The Howes Insurance Group | YOUR INSURANCE CONCIERGE

“I appreciate that Howes is hands on.”

The premature death of a loved one can leave you with unresolved financial responsibilities. How will you pay the mortgage, car loans, credit card debt, education bills, funeral and estate administration expenses?

What type of policy should I purchase?

If life insurance will solve a specific financial obligation in a specific time frame, you may find TERM LIFE INSURANCE to be the most cost effective. If you need insurance for more than 30 years – to pay estate taxes or leave money for legacy reasons – you may want to consider a cash value policy (WHOLE LIFE INSURANCE, etc).

How Much Life Insurance do I need?

There are several methods to determine the proper amount of life insurance. The Human Life Value and Family Needs Approach are just two of the methodologies. A simple, extremely basic calculation, indicates that multiplying your salary by a certain number ( six to eight times your salary) will provide an adequate level of insurance.

S T R A T E G I C   P A R T N E R S

Jeanne Woodin
DBA The Howes Insurance Agency
271 Massachusetts Avenue, Arlington, MA 02474
(781) 643-0400 fax (781) 643-4672

McCrillis & Keep Insurance Agency, Inc.
44 Auburn Street, Auburn, MA 01501
(508) 832-2871 fax (508) 832-0588