Life insurance is essential, especially during uncertain times

February 15, 2022 CONRIC PR

In the past couple of years, we’ve all had to come to terms with the realities of the pandemic. Cape Coral State Farm Agents Mike and Dawn Sullivan believe one of the ways we can protect our loved ones and offer some peace of mind is through life insurance coverage.

“The pandemic has served as a reminder to be prepared for the unexpected,” said Dawn Sullivan. “It’s something no one wants to think about but it’s essential if loved ones depend on you and would suffer financially if something were to happen. There are several options, but what they all have in common is that your loved ones will have financial support in your absence.”

Life comes with many expenses. Childcare, groceries, and other essentials add up quickly, especially for a family in crisis with additional expenses of medical bills and funeral costs. Life insurance is a helpful and important way to offer some assurance and give your loved ones less to worry about during challenging times.

“We’ve all heard stories of families enduring emotional trauma while navigating the effects of losing someone,” said Mike Sullivan. “Families are extremely grateful when they have a policy in place that they are able to rely on. It helps tremendously so you can focus on your family’s needs and eventually be able to move forward.”

Getting covered is likely easier than you think. There are policies available to fit most circumstances and budget. Many people are surprised at how affordable a life insurance policy can be, even during a pandemic, and that some policies carry a savings component. The best way to get started is to work with a licensed agent like the Sullivans, who can help you get the best coverage for your unique needs and budget. The two main types are term and permanent life insurance.

Term life insurance is the most familiar and pays out to your designated beneficiaries if you pass away during the term of the policy. You can choose the coverage and length you want. Term life insurance is very affordable and often doesn’t require a medical exam.

Permanent life insurance offers coverage for life. There are different types, and the policy can build value over time, which is tax deferred and can be withdrawn. Some have a determined rate of return while others offer mixed investment opportunities and varying returns.

“Everyone’s finances are different. Some people choose to do a mix of both types,” said Dawn. “Your coverage and cost will depend on several personal factors.”

The most relevant considerations in determining coverage and cost are age, health, gender and lifestyle (smoking, hobbies, etc.). Insurance companies will also evaluate the type of insurance, coverage level and term you are applying for.

“Even if you are getting older or not in the best health, don’t let the evaluation process deter you from looking into life insurance,” said Mike. “Life insurance policies are some of the most affordable insurance coverages available even if your circumstances aren’t ideal.”

The Sullivan State Farm team cares deeply about the health and safety of the Southwest Florida community and is available to help, whether you’re currently covered or looking to determine the best insurance options for your unique circumstances. Call the Sullivan State Farm Agency at 239-541-3276 or visit the agents’ websites: or


About the Sullivan State Farm Agencies

Established in 2007, the Sullivan State Farm Agencies are the offices of State Farm agent Michael Sullivan and State Farm agent Dawn Sullivan. The family-focused business specializes in helping families and small business owners find the insurance coverage to protect their loved ones at every stage in life. For more information about Michael Sullivan, visit For more information about Dawn Sullivan, visit To contact the office, call 239-541-3276.

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