Life Insurance

Why Should I Buy Life Insurance?

  • Replace income for dependents
  • Pay final expenses
  • Create an inheritance for your heirs
  • Pay federal and state death taxes
  • Make charitable contributions
  • Create a forced savings plan

How Much Life Insurance Do I Need?

If you have no dependents and have enough money to pay your final expenses, you may not need life insurance.

However, if you want to create an inheritance or make a charitable contribution, buy enough life insurance to achieve those goals.

If you have dependents, buy enough life insurance that combined with other sources of income, it will replace the income you now generate for them.  Provide enough life insurance to offset any additional expenses they will incur for things you did and will now need to be provided for.

Life insurance has become an absolute necessity for families of all sizes. You never know when the unexpected might suddenly happen, leaving your loved ones with expenses that would devastate anyone.

Make sure your family will be provided for financially in the event of the loss of a parent.

F.J. Torres Insurance has been helping generations of families find the coverage that works best for their particular needs.  Whether its for an individual, families, self employed or small businesses.


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Drop us a line today for a free quote!


Preparing for your future is vital and most people have not sufficiently saved or planned for their lives in retirement. An annuity can help to provide the security you need once you stop working.

Videos compliments of insurance information institute