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Life Insurance

Although statistics state that, on average, life expectancy is 79, the fact remains that some families may experience an untimely loss of a loved one. If the plans you’ve made depend on another’s income to fulfill those plans, how will they change in his/her absence? Life insurance is the simplest way to provide for your family in absence, and fulfill the plans that were established together.
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Life Insurance Needs Calculator

Not sure how much life insurance you should have? Answer a few simple questions to estimate the amount of life insurance coverage you need to take care of your family.

This is an estimate only. For a complete assessment, contact one of the FIFS Insurance Advisors.

Human Life Value Calculator

This calculator helps you assess the financial loss your family would incur if you were to die today. It provides only a rough estimate of your human life value, which can factor into how much insurance you need.

Life Insurance FAQs

How much life insurance do I need?

A general rule of thumb is to request coverage in the amount of 5-10 times your annual salary. There are, however, a lot of factors that play into this, such as your current age, health history and total net worth.

Use our Life Insurance Needs Calculator as a guide to determine an approxmiate amount needed. The FIFS Advisors are available to assist with planning and calculating the amount needed.

Do I need to purchase a life insurance policy for my kids?

If a student is unable to repay educational loans, the parents are held responsible to pay them. Therefore, it is a good idea to purchase a life insurance policy for your children who are college students.  The policy can be used to pay back the loans incurred. An added bonus is that the cost for this type of policy is very low.

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J.R.

Insurance Advisor

Ben

Insurance Advisor

Chad

Insurance Advisor

Julie

Service Advisor

Madison

Service Advisor

“We couldn’t ask for anything more..."

They are experts in their field. They provide efficient, proactive, knowledgeable advice. And they work hard on our behalf. We couldn’t ask for anything more and I would highly recommend them for all your personal and business insurance needs.

Jessica M.
Telford

“...helped me avoid unnecessary coverage..."

We’ve relied on FIFS for our insurance needs for years, and their team has always been helpful and knowledgeable. During a stressful car rental situation, they provided our insurance documents within minutes. It helped me avoid unnecessary coverage and added frustration. It’s a great reminder of the value of working with a responsive, trustworthy local company.

R. Bergey
Hatfield, PA

“A great community asset!"

I appreciate the expertise that FIFS provides in aligning product offering with what I actually need. I especially appreciate the professionalism and kind approach from their staff. They are a great community asset!

Robin L.
Perkasie

“The best at what they do!"

FIFS has been our church’s insurance connection for as long as I’ve worked here, 17 years. They have been there for every need, question and problem that we have had. They have responded to all issues with calmness, quick answers and clear guidance.

Leslie R.
Telford

“Second to none!"

FIFS service and personal attention is second to none! It is a pure pleasure dealing with Joanne for our business insurance and my homeowners insurance is always burden-free due to the knowledgeable staff.

Tim M.
Souderton

“...an A+ for their service..."

The strengths of FIFS are their staff and personal service. They are always quick to respond to phone calls or email. They go above and beyond what other companies might do. I would give FIFS an A+ for their service and expertise.

Cheryl O.
Spring Hill Realty

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