FAQs

 There’s no better time to purchase life insurance than today. You will never be younger or healthier than you are right now, and these factors play a big role in determining your premium. Locking in a policy while you’re at your best health ensures lower rates and guarantees your loved ones are protected, no matter what the future holds. Waiting can mean higher costs or even limited options, so now is the perfect time to secure your financial legacy. 

The amount of life insurance you need depends on factors like your income, debts, living expenses, and future financial obligations, such as college tuition for your children. A general rule of thumb is to have coverage that is 7-10 times your annual income, but it’s essential to assess your unique situation to ensure adequate protection. 

 Yes, many life insurance policies offer flexibility to adjust coverage as your needs evolve. Whether you're experiencing major life changes, such as marriage, the birth of a child, or retirement, our agents at Whalen Agencies can help you review and update your policy to ensure it continues to meet your needs.