Make Time for an Annual Life Insurance Checkup

Posted by  //  September 16, 2016  //  Allstate, Articles

By Heather Dougherty, NY Regional Financial Sales Leader, Allstate Insurance Company

The changing of the seasons offers us the opportunity to start fresh. However, with the kids back-to-school, and the holiday season just on the horizon, to-do lists quickly fill up. Before it’s time to unpack your winter coat, make sure you complete one serious activity: an insurance checkup.

Life insurance is particularly important if you have a spouse and/or children who depend on you. It can protect you and your family in many ways. Most obviously, the policy’s death benefit can help cover unpaid medical bills or replace your income, providing financial assistance during difficult times. If you’re planning on getting a Life Insurance, you can look here.

Some life insurance products are employed as part of an estate plan, to accumulate savings, as a source of retirement income, or to pay estate taxes. You should also consider getting New Jersey Medigap insurance while you’re still young.

An annual life insurance checkup enables you to double-check that the amount and type of coverage is right for your current situation. Many people don’t think about life insurance (check the post) until the birth of their first child, but other life events should trigger a change in coverage. For example, you may need more coverage when you marry, divorce, have additional children or plan to start a business. And, of course, you may want less coverage on the happy day when your youngest child leaves the nest. You can also set up an online savings plan for your kids at The Children’s ISA so you don’t have to worry about their finances in the future.

As the Regional Financial Sales Leader for Allstate Insurance in New York, I’ve helped many members of our community protect their financial well-being. Our Allstate agents and financial specialists’ missions in Cortland have been clear: support community initiatives, offer superior customer service and deliver the highest quality of products and services. We know first-hand the importance of life insurance as a needed protection for life’s uncertainties.

With the end of the year quickly approaching, Life Cover Quotes experts can provide you with a complimentary review of your insurance needs and options.

Before meeting with our team, I encourage you to spend a few minutes online. Resources like and other financial or investment websites offer a wealth of information, from defining the types of insurance (term, permanent) to providing an online calculator that shows how you might customize your policy based on your needs, expenses and assets.

Don’t let September – Life Insurance Awareness Month –pass you by without undergoing a life insurance checkup. Your jack-o-lantern won’t last forever, but working with a local Allstate Agent in Cortland will provide you with lasting peace of mind when you know that your family is well-protected.


For More information and a new quote please call Shirley Eizember, Pinckney Insurance Agency, 41 Port Watson St, Cortland New York. 607-756-8505

The Allstate Corporation (NYSE: ALL) is the nation’s largest publicly held personal lines insurer, protecting approximately 16 million households from life’s uncertainties through auto, home, life and other insurance offered through its Allstate, Esurance, Encompass and Answer Financial brand names. Allstate is widely known through the slogan “You’re In Good Hands With Allstate®.” The Allstate brand’s network of small businesses offers auto, home, life and retirement products and services to customers in the United States and Canada. In 2014, The Allstate Foundation, Allstate, its employees and agency owners gave $34 million to support local communities. Allstate employees and agency owners donated 200,000 hours of service across the country.

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