Choosing the Right Life Insurance in Texas

When you are considering life insurance, either a first policy or an additional policy, it is important to ask the right questions. You want to ensure that you are getting the most for your insurance dollars and that your life insurance provides the coverage you really need. Our team at Heydari Financial Group in Houston, TX, has the answers to your questions.

Do I Need Life Insurance If I Get It as a Benefit from Work?

Yes, you do. Your work perk may not be enough to provide the protection you need. It also is dictated by your employer. Do you want someone else to decide how much life insurance you have? Probably not. You need to have some life insurance of your own and enjoy the work-life insurance as the perk it is.

Do I Need to Get a Physical to Get Life Insurance?

No, some policies don’t require a physical. However, you will have fewer choices and pay more for what is available. You will still have to answer some questions, so don’t lie if you are a smoker or have a preexisting condition. If it is discovered, your policy will be canceled.

How Much Life Insurance is Enough?

Everyone has different needs. It depends on your income, which depends on your income to survive, and how long they will need it. If you have young children, you will need to have more insurance than if you have no children. Higher-income persons will need more life insurance as well.

At Heydari Financial Group in Houston, TX, we are independent insurance agents, which allows us to give you more choices. Call our office or stop by to discuss your life insurance needs.