Do I Need Life Insurance

As promised, Balanced Care will be dedicating this month to Life Insurance as September is National Life Insurance Awareness Month. One of the first questions that is asked is do I really need life insurance. To help you better understand who needs it, Balanced Care has broken it down to help you decide if it is right for you.


Are you engaged or married? Your spouse or partner can use the benefits to help pay for final expenses that include burial costs as well as meet ongoing obligations such as rent, mortgage, or car payments.





Are you the breadwinner in the family? If your family’s lifestyle would significantly be impacted, benefits will help with the loss of income.

Are you a parent with dependent children?    Benefits can provide for your children’s financial needs.    Expenses such as day care, medical care, braces, school and tuition will be taken care of even if you are no longer able to do so.



Are you a single parent? Your children rely on your income to survive.

Are you a stay at home parent? Even if you don’t work outside of your home, you provide plenty of work inside the home. Caring for children, housekeeping, cooking, and bookkeeping will all need to be replaced.




Are you a homeowner? Without your income, your family would still have to pay the mortgage, sell the home, or worst case scenario, face foreclosure.






Are you in business with a partner? Your death could cause the business to fail or close and leave more than one family financially distraught.

Are you an employer with one or more hard to replace valued employees? Without these key employees, your company can fail causing the company to close down. This not only effects the company, but every employee and their families.

Are you involved with an important cause or charity? If you want a leave a lasting legacy, the benefit can be donated to your favorite charity.





As we have always said, Life Insurance is a personal decision.     At Balanced Care, we do encourage no obligation consultations so you can get to know us as a broker and the insurance companies we represent.     We do work with over forty carriers so that we can offer the most competitve rates,  the best underwriting offers, and most importantly, support and customer service when you need it the most.      Please feel free to contact us with your questions today.


Terri Trepanier is the Owner of Balanced Care and a licensed insurance broker in New Hampshire and Maine. Located in Rochester, NH, she specializes in helping individuals and businesses with their Health Insurance, Dental Insurance, Life Insurance, Disability Insurance, Long Term Care Insurance, Medicare Supplemental, Medicare Prescription Drug Plans, Accident, Critical Illness, and Cancer Plans.    Terri knows the importance of insurance products and how they help individuals and families.    She continually strives to give her clients the Peace Of Mind that each of us deserves.

Balanced Care – Providing Balance, Security, and Peace Of Mind

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