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AA Top Insurance

2520 Sailors Way
Naples, FL 34109

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How much life insurance do I need

When it comes to life insurance, experts think you need between 7 and 10 years’ worth of salary to have what you need. That is a ballpark figure, and it makes sense if you are a high earner who can afford the amount of life insurance that requires. However, for many people, that won’t be practical or possible. To make sense of the figures, you need to talk to an insurance agent like those at AA Top Insurance LLC  in Naples, FL. 

Not every life insurance policy is the same, but by choosing an independent insurance agent, you give yourself many more options. They don’t represent just one company, so they will work for you to get the best policy and the best pricing. 

When determining how much life insurance, you need to think about a few things. First, how much debt do you have? Debt is fluid, you may have a lot of debt right now, but in 10 years, you may have much less or even much more. Your goal is not to leave debt behind for your family to pay. It would help if you guessed what your debt level would be. 

Who counts on you for support? If you are single and help out your parents or you have a sibling who is dependent on you, this is something to consider. If you have a spouse, partner, or children, they may require that you provide support for them over a period of years. 

Your final expenses should be taken care of either through prepayment or a life insurance policy. 

When it comes to how much life insurance you need, no two people will have the same requirements. It could mean that you will acquire additional life insurance as your needs change. At AA Top Insurance LLC  in Naples, FL, we will work with you to find the right insurance today and into the future. Please stop by the office or give us a call. We are here to help. 

Partner Carriers


  • Assurant Flood
  • Citizens
  • Federated National Flood
  • First Comp
  • Florida Peninsula
  • Foremost Commercial
  • Bristol West
  • Mercury
  • MetLife
  • Nationwide
  • Olympus
  • Prepared Insurance
  • RLI
  • Safeco
  • Starr insurance
  • St johns Insurance
  • The Hartford
  • Travelers
  • United Property and Casualty
  • Universal Property and Casualty
  • Usassure