{"id":1209,"date":"2019-10-02T21:28:27","date_gmt":"2019-10-03T02:28:27","guid":{"rendered":"http:\/\/www.stevenkohnle.com\/?p=1209"},"modified":"2019-11-03T14:32:39","modified_gmt":"2019-11-03T20:32:39","slug":"how-to-determine-the-right-life-insurance-policy","status":"publish","type":"post","link":"https:\/\/stevenkohnle.com\/es\/how-to-determine-the-right-life-insurance-policy\/","title":{"rendered":"How to Determine the Right Life Insurance Policy?"},"content":{"rendered":"<h4><strong><span style=\"color: #00468c;\">What Kind of Life Insurance Fits My Needs?<\/span><\/strong><\/h4>\n<p><span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/slateblue-whale-802449.hostingersite.com\/services\/life-insurance\/\" target=\"_blank\" rel=\"noopener\">Term Life Insurance<\/a> <\/strong><\/span>&#8211; Coverage set for a specific amount of time, 10, 20, or 30 years in which your policy and premium will stay the same.<\/p>\n<p><span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/slateblue-whale-802449.hostingersite.com\/services\/life-insurance\/\" target=\"_blank\" rel=\"noopener\">Permanent Life Insurance<\/a> <\/strong><\/span>&#8211; Provides benefits while you&#8217;re alive and can remain in force as long as you live and as long as premiums are paid.<\/p>\n<h4><strong><span style=\"color: #00468c;\">How Much Life Insurance Do I Need?<\/span><\/strong><\/h4>\n<p>The amount of life insurance you need will depend on your marital status, current income, future income, number of dependents, value of your assets, your mortgage, other debts and your preferred lifestyle at time of retirement.<\/p>\n<p>If you happen to be older and your mortgage is paid off, you may not need as much life insurance as a new homeowner, but if your younger ad expecting little ones on the way, there\u2019s a lot more to consider and chances are the need for more life insurance will be higher.<\/p>\n<p><strong>Consider your specific situation to help determine the amount of coverage you need.\u00a0<\/strong><\/p>\n<ul>\n<li>Get Insurance when you\u2019re healthy. If you wait, you may develop a medical condition that will make you uninsurable<\/li>\n<li>Rates are more affordable the younger you are when you apply<\/li>\n<li>Employer-provided life insurance may not always be adequate for your goals and needs<\/li>\n<li>Marital status, if married, your spouses age and income<\/li>\n<li>Children, how many and each of there ages, special needs, educational expenses<\/li>\n<li>Your families cost of living, mortgage, debts<\/li>\n<li>Charitable givings<\/li>\n<li>Aging parents and disabilities, relatives who may depend on you for support<\/li>\n<li>Final expenses such as medical bills or funeral costs<\/li>\n<\/ul>\n<h4><strong><span style=\"color: #00468c;\">How Much Does Life Insurance Cost?<\/span><\/strong><\/h4>\n<p>The cost of life insurance depends on a lot of factors in your life. Your age, health, marital status, dependents and there risk factors. Generally the younger you are, the less you will pay, but don&#8217;t let that detour you from securing your future. It may cost surprisingly less than. you think, and we can work with your budget.<\/p>\n<p>Feel free to email us or give us a call for more information!<\/p>\n<div class=\"_2pi9 _2pi2\">\n<div class=\"clearfix _ikh\">\n<div class=\"_4bl9\">\n<div class=\"_2wzd\">16567 W. 151st Street<br \/>\nOlathe, Kansas 66062<\/div>\n<div id=\"u_fetchstream_2_11\">\n<div><a href=\"http:\/\/share.here.com\/r\/mylocation\/e-eyJuYW1lIjoiU3RldmVuIEtvaG5sZSBBZ2VuY3ksIEZhcm1lcnMgSW5zdXJhbmNlIiwiYWRkcmVzcyI6IjE2NTY3IFcuIDE1MXN0IFN0cmVldCwgT2xhdGhlLCBLYW5zYXMiLCJsYXRpdHVkZSI6MzguODU0NTQsImxvbmdpdHVkZSI6LTk0Ljc3Njg4LCJwcm92aWRlck5hbWUiOiJmYWNlYm9vayIsInByb3ZpZGVySWQiOjUyMzExMjY4NzcwMzEwNH0=?link=addresses&amp;fb_locale=en_US&amp;ref=facebook&amp;fbclid=IwAR1hEekBpYnEJFT7qbrCo0SQ2AdjSMMhQh7E2DFyABx7vuEyJZ5jbpM9fhI\" target=\"_blank\" rel=\"noopener nofollow\" data-lynx-mode=\"asynclazy\" data-lynx-uri=\"https:\/\/l.facebook.com\/l.php?u=http%3A%2F%2Fshare.here.com%2Fr%2Fmylocation%2Fe-eyJuYW1lIjoiU3RldmVuIEtvaG5sZSBBZ2VuY3ksIEZhcm1lcnMgSW5zdXJhbmNlIiwiYWRkcmVzcyI6IjE2NTY3IFcuIDE1MXN0IFN0cmVldCwgT2xhdGhlLCBLYW5zYXMiLCJsYXRpdHVkZSI6MzguODU0NTQsImxvbmdpdHVkZSI6LTk0Ljc3Njg4LCJwcm92aWRlck5hbWUiOiJmYWNlYm9vayIsInByb3ZpZGVySWQiOjUyMzExMjY4NzcwMzEwNH0%3D%3Flink%3Daddresses%26fb_locale%3Den_US%26ref%3Dfacebook%26fbclid%3DIwAR1hEekBpYnEJFT7qbrCo0SQ2AdjSMMhQh7E2DFyABx7vuEyJZ5jbpM9fhI&amp;h=AT0qfw8pBJ6jDJ_8feBX7AprykUOSCDhkZMmUarDTleFRN5K2QqTMqSntrG5spIYOykKDgD77u6uRVG2KyM3Wa6k3hLSsZIJ9EvzLTJ_JmrR8DnUZpMmxp8BnHe_5FG2zcibzoeVyP0jAFNYJeY\">Get Directions<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_2pi9 _2pi2\">\n<div class=\"clearfix _ikh\">\n<div class=\"_4bl7\"><img decoding=\"async\" class=\"_3-91 _1579 img\" src=\"https:\/\/static.xx.fbcdn.net\/rsrc.php\/v3\/yW\/r\/mYv88EsODOI.png\" alt=\"Highlights info row image\" \/>\u00a0\u2013 (913) 871-4040<\/div>\n<\/div>\n<\/div>\n<div class=\"_2pi9 _2pi2\">\n<div class=\"clearfix _ikh\">\n<div class=\"_4bl7\"><img decoding=\"async\" class=\"_3-91 _1579 img\" src=\"https:\/\/static.xx.fbcdn.net\/rsrc.php\/v3\/yd\/r\/5S4XsEXBmrG.png\" alt=\"Highlights info row image\" \/>\u00a0\u2013 Hours 9:00 AM \u2013 6:00 PM<\/div>\n<div>email \u2013\u00a0<a href=\"\/es\/&\/#x6d;a&#x69;&#108;&#x74;&#111;&#x3a;&#x47;k&#x6f;&#104;&#x6e;&#108;&#x65;&#64;f&#x61;&#114;&#x6d;&#101;&#x72;&#115;a&#x67;&#101;&#x6e;&#116;&#x2e;&#99;o&#x6d;\">Gkohnle@farmersagent.com<\/a><\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>What Kind of Life Insurance Fits My Needs? Term Life Insurance &#8211; Coverage set for a specific amount of time, 10, 20, or 30 years in which your policy and premium will stay the same. Permanent Life Insurance &#8211; Provides benefits while you&#8217;re alive and can remain in force as long as you live and [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1216,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[25,41,42],"class_list":["post-1209","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","tag-family","tag-farmers-insurance","tag-life-insurance"],"_links":{"self":[{"href":"https:\/\/stevenkohnle.com\/es\/wp-json\/wp\/v2\/posts\/1209","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stevenkohnle.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stevenkohnle.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stevenkohnle.com\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/stevenkohnle.com\/es\/wp-json\/wp\/v2\/comments?post=1209"}],"version-history":[{"count":0,"href":"https:\/\/stevenkohnle.com\/es\/wp-json\/wp\/v2\/posts\/1209\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/stevenkohnle.com\/es\/wp-json\/wp\/v2\/media\/1216"}],"wp:attachment":[{"href":"https:\/\/stevenkohnle.com\/es\/wp-json\/wp\/v2\/media?parent=1209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stevenkohnle.com\/es\/wp-json\/wp\/v2\/categories?post=1209"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stevenkohnle.com\/es\/wp-json\/wp\/v2\/tags?post=1209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}