Life Insurance Fremont, NE
Solutions to help make sure your loved ones have what they need.
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Create a lifeline that will last a lifetime
We know you can’t put a dollar amount on your family, but you can make sure their future is protected. And though costs are a real concern for most people considering life insurance in Fremont, NE, it never costs as much as you think.
It happens more often than you think…
After running multiple tests, doctors conclude you have an incurable medical condition that may affect the length of life you have remaining.
A million thoughts race through your head. You’re unsure of what to do or whom to call. Your first priority is your family and who will look after their well-being when you’re gone.
Will you might be asking yourself:
How will your spouse stay afloat with all the debt accrued?
Who will save for your children’s college fund?
Where will your family be without you?
Or will you be thinking instead:
About how you will choose to spend whatever time you have left secure in the fact you have a precisely calculated policy to cover your debt and funeral costs?
What Our Clients Say About Eric Luebbe Insurance Agency
If you want a great agent that has your best interests in mind? Look no further!! Eric is a great agent making sure the customer is number one. There is a reason we stick with him for our insurance needs. Quick responses and even better service!!
Jacob Matteson
Excellent customer service! Eric and staff are always friendly and courteous. Eric looks out for his customers and works with them to ensure that they get the coverage they want at the best cost. Would highly recommend.
Andrea Miller
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Life Insurance 101
Learn more about life insurance so you can make an informed decision on your coverage.
Providing for Your Family
Risk Factor
Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, with college tuition, fees, room, and board resulting in another potentially enormous expense. If you were to die tomorrow, would funds be available to provide for food, clothing, day care, and educational expenses for your child?
Solution
Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there could be enough income to help pay for everything your child might need while growing up.
Mortgage Payments
Risk Factor
After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.
Auto Payments
Risk Factor
Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).
Funeral Costs
Risk Factor
An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?
Solution
A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.
Protecting Your Retirement Savings
Risk Factor
Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.
Solution
Life insurance can help support a surviving spouse during their retirement.
Protecting Your Small Business
Risk Factor
If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.
Solution
A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.
Spousal Support / Income Replacement
Risk Factor
Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.
Solution
Life insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.
Eric Luebbe recognizes that everyone’s situation is unique, which is why we offer our clients two types of life insurance policies to choose from in Fremont, NE:
Term life policies are set up to cover you for a specific period of time
Whole life or Universal life insurance covers the insured for the course of their life
No matter the situation, it is important to know what type of policy best suits your needs, the amount of coverage desired, and most importantly, who the beneficiary will be.
One of our helpful agents at our firm in Fremont, NE can find the whole, universal, or term life insurance plan you need. Having peace of mind knowing that when you leave this world, your family won’t be burdened with your financial hardships.
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Why We’re Different
While most life insurance products inside and outside Fremont, NE are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.
After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.
Contact us today, and we’ll help you protect what matters most.
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1152 E 16th Street, Fremont, NE 68025 | 402-721-5454
