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Life Insurance Wheeling WV

Do you have enough life insurance? Whether you are in a risky occupation or not, life insurance is part of a complete financial plan for everyone.

Mr. James G. Carrier (RFC®), CSA
(304) 204-2552
5098 West Washington Street, Suite 408
Charleston, WV
Company
Focus Financial Investment Group, LLC
Qualifications
Years of Experience: 29
Membership
IARFC, MDRT
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Executive Compensation Planning, Retirement Planning, Medicaid Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Healthcare Accounts, Charitable Foundations, Asset Protection, BuySell, LiabCover, Compensation Plans

Data Provided by:
Vimal Chaudhari, MS
9 Greenbrier Avenue
Hurricane, WV
Company
Title: Investment Advisor Representative
Company: Retirement Solutions
Type
Investment Advisor Rep: Yes
Education
Marshall University/MS 1994
Service
Long-Term Health Care Planning,Planning For Personal Finances & Budgeting,Asset Protection Strategies & Planning,IRA, 401k, Roth IRA, QDRO Rollovers,Wealth Management,Life Insurance,Investment & Portfolio Management,Annuity Ideas & Strategy Planning,Retirement Income Accumulation Planning,Fee-Only Comprehensive Financial Planning,401k Rollover From Employer,CD Alternative,Health Care Insurance,Retirement Planning,Investment Consulting & Allocation Design,Retirement Income Distribution Planning,H

Data Provided by:
State Farm Insurance
(304) 235-3290
22 W 2nd Avenue
Williamson, WV
Services
Insurance, Life Insurance, Insurance Agents and Brokers, Internet Services, Computer Hardware and Supplies

Data Provided by:
AIG American General
(304) 476-3014
11 Commerce dr. suite 208
Westover, WV
 
Harold D. Vealey (RFC®), CLU, LUTCF
(304) 346-2154
910 Chester Road
Charleston, WV
Company
Vealey Financial Services
Qualifications
Education: BA
Years of Experience: 43
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Pension Planning, Executive Compensation Planning, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, Employee Benefits, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, BuySell, Compensation Plans

Data Provided by:
Mr. Gregory R. Metcalf (RFC®), RFP
(307) 723-5018
200 Ivy St
Weirton, WV
Company
Horizon Financial Group
Qualifications
Education: Ohio University, BBA FinanceCollege for Financial Planning's CFP Certification Professional Education Program
Years of Experience: 15
Membership
IARFC, FPA
Services
Invoice, Estate Planning, Portfolio Management, Pension Planning, Retirement Planning, Medicaid Planning, Tax Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Education Plan, Healthcare Accounts, Asset Protection

Data Provided by:
Deacon & Deacon Insurance Agency
(304) 720-5641
100 Capitol Street - Suite 205
Charleston, WV
 
Western-Southern Life Insurance Co
(304) 242-6897
1029 Mount De Chantal Rd
Wheeling, WV
 
Data Provided by:

Life Insurance - Top Ten Most Dangerous Jobs

Provided By: 

Top Ten Most Dangerous Jobs

You might not think that you work in a dangerous job. You might just be surprised. However, according to the Bureau of Labor Statistics, the top 10 most dangerous jobs are:

  1. Timber cutters
  2. Airplane pilots
  3. Construction laborers
  4. Truck drivers
  5. Farm occupations
  6. Groundskeepers
  7. Laborers
  8. Police and detectives
  9. Carpenters
  10. Sales occupations

Groundskeepers? That one certainly wouldn't have been on any list of mine. Neither would sales occupations. After having worked in an office tower, Id have included window washers for sure. Which brings us to an important question; do you have enough life insurance? Whether you are in a risky occupation or not, life insurance is part of a complete financial plan for everyone. Having said that, if you're single and no one is depending upon your income for support, you probably don't need life insurance. But you should definitely have it if you fall into any of the following categories:

  • You're married and your spouse depends on your income
  • You have children
  • You have an aging parent or disabled relative who depends on your income
  • Your retirement savings, pension, or other cash accounts won't adequately support your loved ones after you die
  • You have a large estate and expect to owe estate taxes
  • You own a business

How do you figure out exactly how much you need? You can check out our insurance pages for more detail. Alternatively, you may want to contact an insurance agent or broker who can help you determine what type of life insurance is best for you and the amount of coverage you need.

Rule of thumb is that you should have enough life insurance to pay off your major debts. This would include your mortgage, your car loan and any other large outstanding loan (which could include credit cards). In addition, if you have children, you should factor in childcare for the surviving spouse and potentially money for college. If your spouse would not want to return to work while the children are young, you might have to factor in a living allowance for a number of years.

Keep in mind that every year your insurance needs could change. Perhaps you have a new addition to the family. Perhaps you've paid off the car loan. Maybe your oldest is now in college with a full scholarship. Review your life insurance coverage frequently and adjust as necessary. (This will be easier with term insurance than with whole life or other universal insurance .)

No matter...

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