Life Insurance That Fits Your Family Goals

Life insurance planning for seniors and families in Dunmore, Pennsylvania.

If you live in Dunmore and you are reviewing your Medicare options, you may also be thinking about how to protect your family financially if something happens to you. Mary Massino Insurance Broker helps seniors and families understand term life, whole life, and other policy types so you can choose coverage that aligns with your long-term goals and budget.

Life insurance can help cover funeral costs, outstanding debts, or provide financial support for your family after you are gone. Mary explains the differences between policy types, how premiums are calculated, and what happens if your health or financial situation changes after you purchase coverage.

Schedule a personalized life insurance review in Dunmore to discuss your options and next steps.

What a Life Insurance Review Covers

Your life insurance review begins with a conversation about your family, your financial obligations, and what you want the policy to accomplish. Mary meets with clients in their homes or at the office in Dunmore, depending on what feels most comfortable for you.

After the review, you will know whether a term policy, whole life policy, or another option makes the most sense for your situation. You will also understand how much coverage you need, what your monthly premium will be, and how the policy pays out if something happens to you.

Mary continues to support clients after the policy is issued by helping them understand beneficiary updates, policy changes, and how to adjust coverage if their family or financial situation shifts. This ongoing guidance means you are not left on your own once the paperwork is signed.

Seniors who are considering life insurance often wonder how much coverage they actually need, whether they can still qualify if they have health issues, and what the difference is between term and whole life policies.

These are the questions people ask most often

Term life insurance covers you for a set number of years and costs less upfront. Whole life insurance covers you for your entire life and builds cash value over time, but it comes with higher premiums.
What is the difference between term life and whole life insurance?
How much life insurance do I need?
Coverage depends on your debts, funeral costs, and how much financial support you want to leave your family. Mary helps you calculate a coverage amount based on your actual obligations and goals.
Can I still get life insurance if I have health problems?
Many policies are available for seniors with health issues, though premiums may be higher or coverage amounts may be limited. Mary reviews your health history and finds options that fit your situation.
What happens if I stop paying my premiums?
If you stop paying, your policy will lapse and your coverage will end. Some whole life policies have cash value you can borrow against or use to keep the policy active temporarily.
Why should I meet with Mary instead of buying a policy online?
Buying online does not explain which policy type fits your family or how your health affects your premiums. A consultation in Dunmore gives you the context and comparison you need to make a confident decision.

Mary Massino Insurance Broker offers detailed life insurance consultations throughout Dunmore, helping seniors and families plan ahead without the pressure or confusion that often comes with policy shopping. Get in touch to schedule a meeting and review your coverage options.