Do you need life insurance?

The need for life insurance is dependent on each individual or families’ personal and financial needs. Wolf Insurance can assist you in determining what type and amount of life insurance is appropriate for you.

Generally, you should consider life insurance if:

You have a spouse
You have dependent children
You have an aging parent or a physically challenged relative who depends on you for support
Your retirement savings are not enough to insure your spouse's future against a rising cost of living
You have a sizable estate
You own a business

There are benefits of life insurance other than providing for your loved ones in case something happens to you:

The cash value earned and borrowed from a permanent life insurance policy can be used to help with large expenses, such as a college education or down payment on a home.

The growth of a cash-value policy is tax-deferred — you do not pay taxes on the cash value accumulation until you withdraw funds from the policy.

Life insurance can be used to cover funeral expenses and pay estate taxes — consult your tax advisor agent for more information.

You are never too young or too old
to consider the benefits of life insurance.


Please call or come by Wolf Insurance Agency for a no obligation life insurance quote.


Germania's Companion Life Policy Discount can make life insurance protection even more affordable by offering a 10% premium reduction on owner-occupied property policies.