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Providing for Your Family
Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare, and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.
Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.
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 widow or widower to carry.
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 and car(s).
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.
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).
The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?
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
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 benefits.
Life insurance can help support a surviving spouse during his or her retirement.
Protecting Your Small Business
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.
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
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.
Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.
Life Insurance 101
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About Gary Thacker Insurance
Gary Thacker Insurance is committed to working with its local community to protect its families, businesses, and their most treasured assets. By offering a thorough, personalized insurance solution, we can help minimize risks and preserve your lifestyle. We go the extra mile to ensure your peace of mind because protecting what matters most to you is what matters most to us.
Allow us the opportunity to design a policy around your individual needs. We’ll do our best to find you not only the most appropriate coverage but at a price you can be comfortable with. By being independent, we have the local benefit of understanding the needs of our area—our advisors work here, live here, and play here.
We give back to our community and get involved with the local organizations of the greater Chattanooga, TN area.
We happily go the extra mile to exceed our clients’ expectations and do what we can to protect families and businesses in our area.
Licensed in GA, TN, AL, NC, MD, IL, WI, MN, and VA, offering our clients personalized service with a local touch.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
We represent multiple insurance companies.
We are licensed insurance advisors.
We are by your side every step of the way.
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
Our Clients Trust In Us
Check out our reviews and see why you should switch to Gary Thacker Insurance.
“I have used Gary Thacker Insurance for personal insurance and clients through my business. Fantastic customer service, prompt responses to inquiries, honest, and reliable. The staff are very friendly. I would recommend Gary Thacker Insurance to anyone for all of their insurance needs.”Ann Fiddler
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2382 Battlefield Parkway
Fort Oglethorpe, GA 30742