Life insurance is a long-term commitment, likely to be with you for most of your life. However, your life insurance needs will change over time. To keep up with these changes, you need a trustworthy insurance agent. At Brittany Olson Insurance Agency LLC in Cloquet, MN, we’ll be there for you through life’s ups and downs, providing the coverage you need.

Starting Your First Job

Your first job will likely offer some form of life insurance. This may be your first life insurance policy, but it shouldn’t be your last. This experience should prompt you to consider life insurance, and you should also purchase a separate policy to maintain coverage when you change employers.

Getting Married

Now that you’re part of a couple, you may rely on both incomes to maintain a mortgage. Your spouse may also be employed, so they’re not entirely dependent, but you’ll want to ensure they can keep your home if anything happens to you.

Starting a Family

Starting a family is likely the most significant change in your life and life insurance needs. Ensuring you have enough coverage to protect your children until they become adults is a major consideration. You’ll need to calculate how many years of your annual income you need to replace.

Retiring

Upon retirement, you can reduce the amount of coverage you have and focus on covering your burial expenses and perhaps invest in long-term care insurance.

At Brittany Olson Insurance Agency LLC in Cloquet, MN, we are independent insurance agents. We provide the information you need to ensure you have the right life insurance, no matter where you are in life. Give us a call or contact us through our website to discuss your needs.