Purchasing life insurance is one of the most important financial moves you can make. The coverage from this type of policy protects your family from financially worrisome situations if you are not there to provide for their needs. When you work with an independent agent, you can get the protection your family needs for less.
This is a common question people have and can be addressed different ways. The first thing to determine is what do you hope to accomplish with the life insurance? Are you looking for a policy to cover final/burial expenses? Does your family need to replace “x” amount of after tax income each year you would have earned until retirement? Do you want to pay off your home or other debt? Is there any college education that needs to be funded? Special considerations such as wedding gifts or charitable contributions? These are just a few items to consider when building a customized plan for your family. Once you have identified your intentions, Tara will work with you to help you find a cost effective solution to achieve your family’s goals.
One of the most important decisions you need to make is what type of insurance is right for your situation. The biggest factor to consider is time.
There are other options to take into consideration. Child life insurance policies provide financial aid to cover medical costs for the death of a child. Other options include accident death, critical illness, long-term care policies, final expense coverage, and disability insurance. Any can be a good investment for you.
To ensure you get the right type of policy as well as the most affordable option, discuss your needs with an independent agent. You can get a comparative quote for policies available to you right away. You are not getting a quote from just one insurance provider, though. Rather, you'll receive a quote from numerous local providers through your agent so you can compare your options. That way, you get the best policy for your needs and your budget.
Tara Howey has had the pleasure of serving others in the financial services field for nearly twenty years. Her strong work ethic lead to her first job while in high school working at a local insurance company.
At an early age, she saw individuals who had received poor financial advice and desperately wanted to help. Today, she is driven to help her clients and empower them to make good choices for their financial confidence.
As a LPL Financial Advisor, she feels fortunate to assist others holistically with their finances. Tara’s clients know that their financial confidence is not about a single investment. Instead, it is an intricate process of building assets, protecting assets and transferring assets throughout their lifetime. Financial confidence is also very personal so she spends time educating them throughout their lives and helps them take action. Tara understands the importance that taxes and law can play in an overall plan and partners with CPAs and Attorneys to seek plan cohesiveness. Today, Tara works primarily with families, business owners, retirees and widows to pursue their investment goals.
Tara spent ten years at State Farm Insurance where she received many accolades for customer service. This is also where she found her love of the Dale Carnegie Program and completed two courses herself before being asked to return on multiple occasions as a Training Coach. She was introduced to insurance wholesaling where it didn’t take long for her to rise to the top of her national team. While she enjoyed her ability to help and reach more people, she quickly realized she missed the relationships she had built by taking care of her own clients and made the decision to build and manage her own book of business.
When she’s not in the office, she enjoys spending time with her husband Jason and their dog Molly on their East Texas farm. They have a passion for gardening and animals and spend time cultivating the homestead. They love to fish, travel and be outdoors.
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