A comprehensive life insurance plan meets many needs. Whether you're protecting a family, looking for ways to leave a legacy to loved ones or building a fund for your own retirement, our portfolio of life insurance and annuity products underwritten by Farmers New World Life Insurance Company can provide you with solutions to fit your needs.

Life insurance can be a very important component of your financial plan. At a basic level, it can ensure that your survivors are not left paying the expenses associated with your death and funeral. But life insurance may be purchased for many other reasons as well. In general, your need for life insurance increases as you take on more responsibility in your life. Because different people have different levels of responsibilities and resources to meet those responsibilities, each individual’s life insurance needs are different.

Buying for the First Time

Getting your first job, getting married, buying your first home, having a baby - any of these life events may prompt you to think of buying life insurance for the first time. Most people know they should own some, but there are often many questions.

If you're fresh out of college, and don't have a family or a mortgage, chances are that you don't need a lot of life insurance. But most adults need at least a minimal amount of protection to cover a funeral and final expenses. If you've recently taken on additional responsibilities in your life, such as starting a family or buying a home, you'll want to consider a larger amount of protection.

Mortgage Protection

Home ownership is a powerful symbol of the American Dream. A home provides shelter and safety and a place where a family can grow.

But for most people a home is also their largest single purchase, and a home mortgage is often a family's biggest financial obligation. Usually, a large portion of each paycheck goes toward paying the mortgage.

You insure your valuables, such as your home and car. But what about your earning power? It's the force that provides the homes and the cars and all the other amenities that make up a lifestyle. Life insurance is the only product specifically designed to protect your future earning power, by stepping in with an income tax-free death benefit if you're not there.

Family Protection

You work hard to provide a comfortable lifestyle for your family. But did you ever stop to think about what would happen to them if something were to happen to you?

That's where life insurance steps in. Life insurance can help pay the mortgage, so your family can keep the house. It can cover childcare expenses for small children, or send young scholars to college. It can pay final expenses, and it can simply pay the bills, so your family can maintain the lifestyle you provide now.

At Barry Insurance Group, we understand that every family’s needs are different. So our life insurance plans range from affordable term policies to permanent plans that provide lifelong protection.

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