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Life and Retirement

There are times in our lives when we’re tested emotionally. Events such as marriage, birth, death of a loved one, divorce, inheritance, and investment ask us to look deep within and find the strength to move beyond change. They remind us that living life fully means balancing the joyful times with the difficult. Fortunately, with Lucas Insurance Services, you and your family are never alone during these challenging transitions.

If someone depends on you financially, chances are you need life insurance. We all have a responsibility to protect those who depend on us with a sufficient amount of protection. At Lucas Insurance Services, our life insurance professionals work with a host of carriers to find the right policy for you and your family. We can help you evaluate your goals and choose the investment strategy that fits your specific needs and concerns.

We know there are many questions in your mind when it comes to purchasing life insurance: What kind do you need? How much do you need? How much does it cost?  That’s why we take a straightforward, no-nonsense approach. We help make understanding life insurance easy. We also have some of the lowest life insurance rates in the country, and plenty of carriers to choose from. We’re experts when it comes to answering your questions and concerns and finding the right life insurance for you. We offer different types, including term, universal, variable, and whole life insurance, all tailored to meet your unique needs.

Life insurance can also play an important role in your overall financial strategy:

Mortgage Protection
Whether you live by yourself, with a spouse, or with a significant other, you may want to buy life insurance as mortgage protection. If something happened to you, the person you love could be left homeless.  

Income Replacement
You and your spouse or significant other may have planned for a future based on two incomes. But what if one of you passes away unexpectedly? Life insurance can be used to replace the lost income so that the survivor can maintain the same standard of living.

Many things will affect your life insurance policy over the years. As your life changes, so will your coverage. Things such as owning real estate or a business, marriage, giving to charity, inheritance, divorce, and acquiring major assets will all factor into your policy.

Don’t think you need life insurance? Or maybe you think you can just put it off for awhile longer. Life insurance may seem like one of those investments that can be postponed, but it’s never a good idea to risk leaving your loved ones strained financially. Don’t you want to be confident that they will be taken care of if something happens to you?

Contact us today for a free quote, and to get started on the way to your family’s bright future!

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