Finding the right Life Insurance products can be challenging in today’s insurance environment. Gilmartin Insurance Agency offers a complete line of individual life insurance products that are crafted to meet you and your family’s specific needs. We work with several different top-rated insurance companies, and will place your account with the company that will provide you with the coverage and benefits you want.
Gilmartin Insurance Agency can help you make sound, informed decisions about issues affecting your life insurance needs. Our philosophy is to fully understand your objectives and then translate them into solutions that provide assurance and peace-of-mind.
If you would like to allow our office to shop around for the best policy based on your needs, please contact us here.
Insurance is there to protect you in the event the unthinkable happens.
We all have auto insurance for our cars, and homeowner’s insurance for our homes, but only a fraction of us has a life insurance policy in place. Think about that. We carry insurance for the material things that can be replaced, but lack insurance for the one thing that can’t…ourselves! Gilmartin Insurance Agency is here for all of your insurance needs…auto, home, business, and life!
Benjamin Franklin said it best. “If we fail to plan, we plan to fail.” We often don’t like to think about the worst-case scenarios, but, if there’s one thing we’ve learned from the last year, it’s that we don’t know what’s going to happen from one day to the next. Without life insurance, you could be putting your family at a huge financial disadvantage if something unexpected were to happen. Gilmartin Insurance can help you plan!
Most people feel that life insurance is not an important part of their financial wellbeing. Afterall, it’s not required like auto, property or business insurance is, and, well, we all have enough expenses to pay without adding another one to it, right?
Let’s run though a scenario together to help give you a better understanding of it all.
Suppose there’s a family of 4. They live in a 4 bedroom, 2 bath home, on a nice piece of land, in Northeast Pennsylvania. They have two young children and they own two vehicles. The husband works full time, while the wife stays home with the children. It’s safe to say that if the husband, as the main source of income for the family, were to pass on, the wife and two kids would need a significant amount of money to maintain the household and sustain the same lifestyle they were living before the tragedy occurred. It’s likely the husband was paying the mortgage, the car payments, the utilities, the groceries, and any other extras that may have come up along the way. How does the wife cover those expenses without a life insurance benefit to help her?
Now we’ll reverse the situation. Let’s say the wife is the one that passes. Many tend to think that there is no need to insure the life of a homemaker because they are not bringing in any actual income. Although that may seem to make sense at first, if we were to run down the list of things a homemaker does in their day-to-day activities, we would quickly start to realize the value of that role. While there is no actually monetary exchange for the services that are being provided by the wife, if she were no longer there to do all of those things, that would leave the husband with a huge financial strain. He now needs to hire someone to take care of the children, do the cooking, the cleaning, the laundry, transporting the children, possibly handling the finances, among whole host of other things that may have been handled by the wife. What would that cost look like? In Lackawanna County, as with many areas in Pennsylvania and throughout the country, the cost of childcare alone would be very significate. It would be a huge mistake not to have an insurance policy in place for the wife as well.
Having a life insurance policy in place is not about you. It’s about protecting your family in the event something were to happen to you.
Would you want to see your family struggle financially while dealing with the loss of their loved one? Gilmartin Insurance wants to make sure that our family is taken care of, even after you’re no longer able to.
As you can see, there is incredible value in having a life insurance policy. So what do you do now? There are so many options and so many questions left to answer. How much life insurance do I need for my family? What type of policy makes the most sense for me? What can I fit into my monthly budget? That’s where Gilmartin Insurance Agency comes in!
Located in Scranton, PA, Gilmartin is here to help take the guess work out of all of your planning. We realize that this is a sensitive topic. We’ll spend time to make sure you understand all of your options, whether you’re sitting with us in our office, or on the other end of your computer screen. We’ll evaluate your financial needs, review your objectives, and find a solution that works best for you and your family so you can rest easy knowing your loved ones will be taken care of.