determining your life insurance needs - seeman holtz With the extensive list of insurance coverage’s you can employ to protect your assets, it’s often difficult to determine exactly which and how much of a cover you need. Seeman Holtz Property and Casualty can help you prevent overpaying, or leaving yourself unprotected!  “One could drive themselves up a wall trying to figure out an exact amount.  Having said that, it is important that a fine balance be maintained. Too much cover means higher premiums to be paid at the cost of other lifestyle spends; too little cover means leaving your dependents vulnerable in the event of your unfortunate demise…” [ Read more here ]