Life insurance provides peace of mind to those who count on you. It provides the money your dependents need to continue their life in the event you are no longer with them. At Bartal Insurance in Scranton, PA, we are here to help you to make the right life insurance decisions for your particular needs. As independent insurance agents, we are able to offer more choices since we represent a variety of carriers.

Life Insurance FAQs

When should you review your life insurance?

The amount of life insurance you get when you are young may not be the life insurance you need later in life. When you get married, that requires a review, and maybe a change of beneficiary. The biggest change comes when you have children. They are a long-term commitment, and you need to provide for their welfare for many years.

How much life insurance is enough?

Every person who buys life insurance has individual and unique needs. The amount of life insurance you need is determined by the number and age of dependents you have. If you have young children, that requires more insurance than when you are retired or a young unmarried person. Consider your income and the number of years you need to provide it.

Does life insurance have cash value?

Whole life insurance accumulates dividends, and it has cash value. The value can be borrowed against if the need should ever arise.

Can I choose anyone I want as a beneficiary?

You can choose one person or several people as your beneficiary. One thing to keep in mind is that if you choose children who are under the legal age, they will not have access to the death benefit until they reach the legal age.