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              Life Insurance

              Protect your family with affordable and flexible life insurance coverage from Erie Family Life. 
              Required

              Please select an agent to continue.

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              Your Risks, Our Solutions

              Reasons to Purchase Life Insurance

              Keeping a Home in the Family

              Jason and Amy are raising a family while paying down their mortgage. Whatever happens, they don’t want their children to lose their home or be burdened with their debt.

              What’s the answer?  

              Jason and Amy purchased 30-year term life insurance policies to pay off their mortgage. Their wish is to have the home passed down to their children. 

              Suggested Solution

              Term life
              Provides coverage of a fixed death benefit amount for a specific period of time.

              Innovative & Collabrative

              David is the primary wage-earner for his family and worries about a time he might not be there anymore. He wants to ensure his family isn’t burdened by costs for his funeral or unpaid medical bills.

              What’s the answer?

              David purchased a permanent life insurance policy from Erie Family Life to provide the funds necessary to pay final expenses. He feels better knowing it might help ease their pain during a stressful time.

              Suggested Solution

              whole life
              Guaranteed protection with flexible coverage amounts and payment options.

              Safeguarding Your Family’s Lifestyle

              John and Lisa each contribute to their household of seven. They want to make sure the income they provide today is there for the family should something happen to either of them.

              What’s the answer?

              20-year term life plans from Erie Family Life put John and Lisa’s concerns to rest. Each policy can be used to help pay off debt and pay the monthly bills in order to maintain the family’s lifestyle. 

              Suggested Solution

              term life
              Provides coverage of a fixed death benefit amount for a specific period of time.

              What if College Dreams are Cut Short?

              James and Mary are proud of their daughter who is in college. They hate to think about it, but what if something was to happen to her? Could they pay off the student loans they cosigned?

              What’s the answer?

              College loan protection coverage can protect James and Mary from the added heartache of paying college debt. The 20-year term life insurance policy they selected can be used to pay off student loans.

              Suggested Solution

              term life
              Provides coverage of a fixed death benefit amount for a specific period of time.

              Like many of us, Michael is looking for a safe way to ensure his dreams of a comfortable retirement become reality. He is planning to save for the future and wants to guarantee an income during his retirement years. ?

              What’s the answer?

              Michael wasn’t sure where to start so he talked to his local ERIE agent. Erie Family Life offers several retirement savings options like annuities, Individual Retirement Accounts (IRAs) and life insurance planning for businesses.?

              Suggested Solution

              Retirement
              Provides coverage of a fixed death benefit amount for a specific period of time.

              Barbara has worked hard to build a good life and wants to leave behind a legacy that matters. She would like to establish a plan that would help her family financially and ensure charitable gifts to her favorite organizations.?

              What’s the answer?

              Barbara purchased a permanent life insurance policy from Erie Family Life that will provide for her family and her favorite charities. It offers guaranteed cash value accumulation and a guaranteed death benefit.

              Suggested Solution

              universal life
              Combines the affordability of term insurance with the long-term security of permanent life insurance.

              Karen and Susan are partners who put their heart and soul into making sure their business thrives. They want to be prepared in case something should happen to one of them or to a key employee.

              What’s the answer?

              Karen and Susan talked to their ERIE agent about how to use life insurance for smart business planning. They purchased a universal life policy?to provide funding for a buy-sell agreement and key person protection.

              Suggested Solution

              Life
              Erie Family Life provides insurance solutions for business owners to keep a business going if tragedy strikes.

              Calculate Your Needs

              How much would you need to leave behind?

              Estimate your coverage needs with our life insurance calculator. Fast, private, and no obligation to send to an agent.
              Thank you for completing the life insurance calculator.
              Learn More
              Life Insurance Estimate

              $0 based on your responses

              About You
              How old are you?

              Enter a number

              About You
              Do you have a spouse or partner?
              About You
              Do you have any children?
              Debts & Expenses
              How much would you need for final expenses?

              This covers funeral costs and/or medical expenses not covered by health insurance.

              $15k is an average, but you might need more (e.g., your family would need to travel for a funeral).

              Please enter your expected final expenses in thousands of dollars.

              Debts & Expenses
              What is your personal annual income?
              We'll use this to help determine your monthly expenses.

              Enter a number

              Debts & Expenses
              Do you have a mortgage?
              Debts & Expenses
              How much do you owe on your mortgage?

              Enter a number

              Debts & Expenses
              Do you have any student loans?
              Debts & Expenses
              What's the total amount of student loan debt you're responsible for?
              This includes existing student loans from a spouse/partner and/or children.

              Enter a number

              Debts & Expenses
              Do you have other debt?
              For example: credit cards, auto loans, personal loans, medical expenses, etc.
              Debts & Expenses
              How much other debt do you have?

              Enter a number

              Debts & Expenses
              How much would your family need for monthly expenses?

              Adjust the suggested amount to meet your family's needs.

              Consider expenses like food, utilities, transportation, plus extras like vacations. (Don't include mortgage or other debts—that's covered separately.)

              Enter a number

              Enter a number

              Education
              Do you want to contribute to any of your children's higher education?
              Education
              How many do you have and how old are they?

              Child is

              Enter a number

              Years Old
              Education
              What kind of education?
              Pick the one your children would most likely attend and we'll project how much your college education expenses might be.
              (average annual cost $11,438*)
              (average annual cost $19,548)
              (average annual cost $43,921)

              * Source: Collegeboard.org

              Education
              Do you want to contribute to anyone else's education?
              For example: grandchildren, nieces, nephews, etc.
              Education
              How much would you like to contribute?

              Enter a number

              Legacy & Inheritance
              Would you like to leave an inheritance or charitable gift?
              For example: family members, charities, churches, or other organizations.
              Legacy & Inheritance
              What's the total amount you would like to leave?

              Enter a number

              Assets
              How much do you already have in life insurance?
              For example: a policy provided by your employer.

              Enter a number

              Assets
              Do you have other assets that could be used to cover expenses?
              For example: savings accounts, stocks, bonds, CDs, etc.

              Enter a number

              Please select an agent to continue.

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              Facts of Life Insurance

              It's more affordable than you think.

              Why buy life insurance?

              It costs $245k

              to raise a child.

              It costs about $7k

              for a modest funeral.

              It can cost only $14.24

              per month for $250,000 in life insurance.

              Sources: US Dept. of Agriculture, National Funeral Directors Association, Erie Family Life

              COMPARE

              See how different types of
              Life Insurance stack up.

               

              LIFE INSURANCE OPTIONS WHAT IT IS WHO IT'S FOR
              Term Life

              Select from a 10-, 15-, 20- or 30-year plan to protect.

              People who need cost-effective protection for loved ones left behind.

              Whole Life

              Protection with premiums and coverage that are guaranteed to remain the same for your lifetime.

              People who need entire life protection for family with a guaranteed premium.
              Universal Life Entire life protection; includes a policy cash value with flexible payment schedule.

              People who need: 

              • College savings 
              • Estate planning
              • Business planning
              • Additional retirement savings

              Request a Quote

              Find out if ERIE is right for you. An agent will?be in touch.

              Ready to get started?

              Please select an agent to continue.

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