Benjamin Franklin famously said, “Nothing in life is certain except death and taxes.” We plan and prepare for taxes every year, but it’s just plain human nature that we don’t like to think about or plan for our own mortality. It’s a subject that is uncomfortable for many of us but making financial decisions about Life Insurance is vital to ensure that our loved ones will be taken care of in the manner they deserve should we meet an untimely death.

One myth is that we only need Life Insurance if we have young children. The real test as to whether we need coverage is whether we have people who depend on us. That would definitely include children and any dependents. It would also include a spouse so that they could maintain a decent lifestyle on their own. It can pay funeral expenses, cover a mortgage, pay outstanding debts, and provide resources for your children’s education. And if you are a business owner, Life Insurance can protect key employees and business partners, ensuring the continuation of your business.

Another myth that many people believe is that because they have a Life Insurance policy with their employer, they are sufficiently covered. It can make good sense to have a supplemental stand-alone personal policy because if you change jobs, you lose your coverage.

At Hitchings Insurance Agency, we view Life Insurance as a key component in financial planning. We will help determine how much Life Insurance you need based on your goals, your dependents, and a variety of life factors. There are many plan variations, but essentially two primary types of Life Insurance: permanent insurance, which includes Whole Life, Universal Life, and a few other options and Term Life, considered a “pure” type of Life Insurance.  We will walk you through the differences to find the right solutions for your unique circumstance and budget.

If you’d like to talk about the many Life Insurance options available to you and your family or for your employees at your business, give us a call at 419-423-9145.

You might also check out these simple self-help quote options below from our trusted partners.

Life insurance does not have to be difficult! Fill out our quick form for a quote.
If you are experiencing difficulties with the above form, please try using Google Chrome instead of your current browser.

Secure your children’s future today – Give the gift of insurability.

Whether they’re learning their vowels or learning to drive, Gleaner makes it easy to give the gift that can last a lifetime — insurability. Learn more about our Just For Kids term life insurance.

Secure your children’s future for just $125! Find out how by clicking below.

RELATED BLOG POSTS

Health Insurance in Ohio

There is no telling when a visit to the doctor or the hospital might be warranted. It would be great if we all were healthy […]

Men’s Health Month: Be His Support

June is Men’s Health Month. It isn’t a coincidence that Father’s Day is also celebrated in June. Plus, wear blue is the Friday before Father’s Day to […]

Medicare and You: Understanding Coverages

Are you wondering where the years have gone? They certainly go by fast, but the golden years are ahead of you! Believe it or not, […]

Recommended Products


Whole Life

A life insurance policy that remains in force
throughout your entire life.


Term Life

A life insurance policy that remains in force
for a predetermined amount of time.


Long Term Care

Covers medical care costs not typically covered
by other health insurance products.


Term Life for Kids

A term life insurance policy specifically used to
to cover children under the age of 18.

Interactive Coverage Map

Life Insurance

Life Insurance as a key component in financial planning