View Cart []The life insurance policies we carry are specially selected for you from the unruly mass of options out there. If your goal is to see every possible policy available on a national scale, we may not be the agency for you. If, on the other hand, you want to review a highly competitive selection of policies picked for their practicality, pricing and quality, we are here to help! Let us know how we can serve you.
Why Do I need Life Insurance?
Life insurance is a beneficial insurance that everyone needs to have. Regardless of where you are in life: empty nester or young adult, life insurance is a valuable addition to protect your family in the future.
When you buy a life insurance policy, this insurance policy is a contract with the insurance company to provide your beneficiaries with a dollar amount upon your death. With this agreement, you are able to make monthly or annual payments to the insurance company called premiums. The premiums are based on certain variables that affect the amount from age to gender, (we'll help determine those things).
What does Life Insurance cover?
When an unexpected death occurs in the family, most of the time, there are living expenses and debts that are left behind that your family is left to take care of. In the event of death, a life insurance policy can help take care of those expenses and relieve that hardship. Those things like loans and other debts, mortgage payments, providing care for an elderly relative in the family, college education, and final expenses to take care of funeral arrangements and memorial services can be covered under life insurance. Proceeds from a life insurance policy can also be used to maintain the lifestyle that your family has become accustomed to or can be used to contribute to an organization you want to make a charitable donation to.
What types of Life Insurance are there?
There are two different kinds of life insurance, life and permanent. Essentially, both of them are intended to take care of your needs and family, but permanent life insurance plans do not expire as long as the premium payments are being met.
Depending on the goals, your life insurance policy should meet what you are wanting to supply to your family following your death to compensate the financial burden the death often times brings. Calculate what you need and base it off of your salary, benefits, savings, personal needs and personal consumption that is needed to make you family comfortable. In making those decisions, it is best to consult with a life insurance expert or financial advisor to determine the accurate amount and coverage.
Death is a hard thing to talk about and those reservations sometimes makes us push the idea of leaving our loved ones behind to the back. The fear can sometimes hold you back, but it is important to make sure you plan ahead for yourself and your family. The best thing you can do for your family is to provide a security blanket to give yourself the proper burial that they can provide to honor you and your love, and meet your family’s needs and give them what they deserve. It's never too early to seek this information and ensure the well-being of your family.
Testimonials
Ever since I had David do my taxes for me it makes tax season a breeze. I just give David all the necessary information needed, and he works his magic on getting it done. He knows how to make sure I am getting every tax break, even ones I didn't know about. Tax time becomes less of a worry when David handles it for me. He is efficient, honest, and timely. When it comes to taxes there are loads of commentators that talk a good game, but David makes it happen!
Berea
This year I decided to have our taxes done my Mr. Hornik at Statewide Income Tax. I didn't agree with last years taxes either so upon making the appointment, I was given a list of what to bring with me as well as my last year tax return. Mr. Hornik was very professional and polite, and he gave me an estimate as to when my taxes would be complete and when he could look over last years return. He was good to his word and promptly finished our taxes for a very modest price.
Maple Heights
Statewide Benefits LLC has handled my personal and business health insurance needs for over 10 years now. David is quick, professional, and always makes me feel comfortable. He recently started handling my taxes and I couldn't be more pleased. I would recommend Statewide to all my friends. Thanks for all the hard work!
Victory Park, North Ridgeville
David did my taxes this year. I was not looking forward to the tedious task and he took care of it for me, quickly and efficiently. David is a great guy - he is approachable, helpful and friendly. Highly recommended!
David gives a personal touch to his clients. He takes the time to get to know their needs and educates them on all the aspects of the ever-changing insurance field. David is kind and genuine. You will feel like you are working with family.
To me, health insurance has always been very confusing for some reason. David is always willing to go above and beyond to make sure that he explains everything to me in a clear and understandable way. He values relationships and always puts his clients first.
David has been a pleasure to work with over the years. He goes above and beyond to make sure the insurance needs of our firm have been met. David is consistently thorough and diligent in finding the right policies for our small business. The customer service is top notch!
McDermott & Hickey, LLC
As a financial professional with nearly 20 years in the retirement plan industry, I have felt very comfortable completing and filing my parents and 4 siblings taxes since I could remember. In 2016, my father passed away and I felt a little in over my head with all the rules regarding his estate and reached out to David H. at Statewide Benefits for some last minute help. David quickly filed an extension which brought peace of mind to my mother and I - and then took care of everything!
Every since I had David do my taxes for me it makes tax season a breeze. I just give David all the necessary information needed, and he works his magic on getting it done. He knows how to make sure I am getting every tax break, even ones I didn't know about. David is efficient, honest, and timely. When it comes to taxes there are loads of commentators that talk a good game, but David makes it happen!
Contact Us
21851 Center Ridge Road #408,
Rocky River, OH, 44116
(216) 787-5560
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