Important considerations to make when buying life insurance

The uncertainty and development of terminal illnesses today have led to an increase in insurance purchasing. Many people in Overland Park, KS consider life insurance policies to protect their families once they’re no more. However, life insurance is a complex topic as there are many considerations to make before making any purchasing decisions. At Fortress Insurance Agency, we recommend speaking to a financial advisor and an insurance expert to help you choose a coverage that meets all your needs.

Your age and gender

When it comes to life insurance, your age and gender determine your premium rates. Insurance companies assume the younger you are, the healthier you are and the lower the chances of death.  Additionally, the younger you are, the cheaper the policy. There is also a belief that females live longer than males.

Health status

A life insurance policy will require you to take a physical exam to determine your health status. Of course, the healthier you’re, the lower your premiums will get. Smoking, drinking alcohol, and other unhealthy habits that affect your body also negatively impact your life insurance plan.


It’s always essential to know how much you are setting aside for insurance. Think about your present and future needs before making any decisions. The last thing you want is to terminate or abandon your policy due to financial challenges.

Policy duration

How long you intend to pay for your policy is critical in setting your budget. Determine your goals, calculate the time you need to achieve them, and buy a policy that matches that duration.

Feeling confused about which type of life insurance to buy in Overland Park, KS? Worry no more because you are at the right place. Our dedicated team of professionals at Fortress insurance Agency can help you find a policy that matches your needs with all the above considerations in mind. Talk to us.