life insurance needs over timeHow much insurance is right for you? Chances are what’s right for you now won’t be what you’re going to need in the future – make sure your insurance is working for you with the help of Seeman Holtz. “How much insurance do you need? You might hear of a “formula,” such as buying an amount equal to seven to ten times your annual income, but this is a rough guideline, at best. You might want to work with a financial professional to weigh various factors – number and ages of children, size of mortgage, current income of you and your spouse, and so on…” [ Read more here ]