Every situation is unique and with that in mind, Overstreet customizes all our life insurance policies to meet your specific needs. We most commonly design your life insurance policies to cover the typical annual expenses your family incurs. You may also want to consider adding for expenses such as college tuition or other important events in your family’s life.

Determining the right amount of life insurance for your family means considering various factors. Income replacement, your existing debts and expenses, how much your end-of-life expenses will be, and your long term future financial goals will all be considered when planning your life insurance value. There are two ways that most life insurance companies will calculate how much life insurance you need. The first is to plan on ten times your annual income. The second is to multiply your family’s annual income by the number of years you want to provide for them. You may want to ensure your family is covered until your youngest child turns 18, or perhaps until some major milestone is reached in your family’s life. We will work with you to determine the best financial solution for your family’s unique needs.