Life Insurance And Annuities Near Me

Why do I need Life Insurance?

Life insurance protects what is important to you.

Protect your family and their future with affordable and flexible life insurance coverage from Wagner Insurance Group.

Owning adequate life insurance is extremely important to any sound financial plan, as it provides money for your family at a time when it’s needed the most. Wagner Insurance Group will help you develop a program that meets your personal insurance needs.

What are my Life Insurance options?

Choose from a variety of life insurance policies available to fit your personal needs.

Term insurance offers a 10, 15, 20 or 30-year cost-effective plan to protect the ones you love. 

Whole life insurance provides coverage for your entire life, builds cash value and provides for your family with a guaranteed premium. (It keeps building value, even when you’re not looking.) Protection with premiums and coverage that are guaranteed to remain the same for your lifetime.

Universal life insurance is “permanent” life insurance – like whole life – with coverage that lasts a lifetime, builds actual cash value and offers a flexible payment schedule. Universal Life Insurance is a great option for those who need to establish college savings, estate planning, business planning or additional retirement savings. 

Annuities are a safe investment alternative that includes guaranteed interest rates, tax deferral, and an option to have guaranteed income for life.

Fund-qualified retirement plans such as Roth, Traditional or SIMPLE IRAs or a Simplified Employee Pension (SEP). These are tax-deferred savings plans that are not subject to annual deposit limits. Roll over qualified funds from an employer’s retirement plan, such as a 401(k), when changing jobs.

What are some examples of Life Insurance needs?

Keep Your Home in the Family

Jason and Amy are raising a family while paying down their mortgage. Whatever happens, they don’t want their children to lose their home or be burdened with their debt.

What’s the answer?

Jason and Amy purchased 30-year term life insurance policies to pay off their mortgage. Their wish is to have the home passed down to their children.

Final Expenses

David is the primary wage earner for his family and worries about a time he might not be there anymore. He wants to ensure his family isn’t burdened by costs for his funeral or unpaid medical bills.

What’s the answer?

David purchased a permanent life insurance policy from Erie Family Life to provide the funds necessary to pay final expenses. He feels better knowing it will help ease their pain during a stressful time.

Safeguard Your Family’s Lifestyle

John and Lisa each contribute to their household of seven. They want to make sure the income they provide today is there for the family should something happen to either of them.

What’s the answer?

20-year term life plans from Erie Family Life put John and Lisa’s concerns to rest. Each policy can be used to help pay off
debt and pay the monthly bills in order to maintain the family’s lifestyle.

College Dreams

James and Mary are proud of their daughter who is in college. They hate to think about it, but what if something were to happen to her? Could they pay off the student loans they cosigned?

What’s the answer?

College loan protection coverage can protect James and Mary from the added heartache of paying college debt. The 20-year term life insurance policy they selected can be used to pay off student loans.

Retirement

Like many of us, Michael is looking for a safe way to ensure his dreams of a comfortable retirement become reality. He is planning to save for the future and wants to guarantee an income during his retirement years.

What’s the answer?

Michael wasn’t sure where to start so he talked to his local ERIE agent. Erie Family Life offers several retirement savings options like annuities,
Individual Retirement Accounts (IRAs) and life insurance planning for businesses.

Don’t know what to look for in a Life Insurance policy?

We can help you determine the right amount of Life Insurance coverage to meet your specific needs. Wagner Insurance Group protects individuals and families in Northeast Ohio and the entire State of Ohio.

And if you need Auto Insurance, Home Insurance, Boat Insurance, RV Insurance, Motorcycle Insurance or Business Insurance we can help with those policies too.

If you’re looking for a better insurance experience, contact us today!