Nanette McClelland-Miller

September Is Life Insurance Awareness Month

September brings Labor Day—a time to recognize the people whose hard work supports their families, businesses, and communities. It is also Life Insurance Awareness Month, making this an ideal time to consider how your loved ones could be financially supported if the unexpected happened.

Life changes quickly. Marriage, a growing family, a new home, a career move, retirement planning, or changes to your business may affect the amount and type of life insurance that fits your needs. A conversation with your local State Farm® agent can help you explore your options and review your current coverage.

About Nanette McClelland-Miller, Your Local Neighborhood State Farm Agent

Nanette holds a bachelor’s degree from McNeese State University and brings more than 31 years of insurance industry experience. She is committed to individualized service and helping policyholders review their coverage as their lives and priorities change.

Nanette and her team are proud to offer:

• More than 25 years of service to Anthem and nearby communities

• Licensed insurance agents focused on personalized service and competitive pricing

• Insurance options in Arizona, California, New Mexico, and Utah

• Active participation in community events, including Anthem Days and the Veterans Day Parade

• Recognition as an Ambassador Travel Qualifier and recipient of the Legion of Honor, Bronze Tablet, Silver Scroll, and Crystal Excellence awards

• Membership in the Anthem Rotary Foundation, Anthem Chamber of Commerce, and Carefree/Cave Creek Chamber of Commerce

Protect the People Who Depend on You

Your work helps provide a home, education, daily necessities, and future opportunities for the people you love. Life insurance can help create a financial safety net by providing funds that may be used for:

• Home or rent payments

• Everyday household expenses

• Credit cards, loans, and other debts

• Childcare and education costs

• Lost income and future financial needs

• Business obligations or succession planning

• A financial legacy for loved ones

The right coverage depends on your family, income, financial responsibilities, and long-term goals. We can help you review these factors and discuss available life insurance options.

Is Your Life Insurance Keeping Up with Your Life?

Even if you already have life insurance, it is important to review it regularly. Consider scheduling a coverage review if you have recently:

• Married, divorced, or added a new family member

• Purchased or refinanced a home

• Changed jobs or experienced a significant income change

• Started, expanded, or sold a business

• Taken on new debt or paid off major obligations

• Become responsible for an aging parent or another loved one

• Begun planning for college expenses

• Approached retirement

• Experienced a change in health or lifestyle

• Relied primarily on life insurance provided through work

A policy purchased years ago may no longer reflect your current income, debts, family responsibilities, or financial goals.

Do I Need Life Insurance If I Have Coverage Through Work?

Employer-provided life insurance can be good, but the amount may not be enough to meet your family’s long-term needs. Coverage may also change or end when you leave your employer.

An individual life insurance policy may provide additional protection that is not tied to your job. We can compare your existing benefits with your financial responsibilities and determine whether additional coverage may be appropriate.

Life Insurance for Stay-at-Home Parents

Life insurance is not only for the household’s primary wage earner. Stay-at-home parents and caregivers provide essential services that could be costly to replace, including:

• Childcare

• Transportation

• Meal preparation

• Household management

• Education support

• Care for children, older adults, or family members with special needs

Life insurance may help the surviving family manage these expenses during a difficult transition.

Life Insurance for Business Owners

Labor Day also highlights the dedication of local business owners and employees who keep our communities moving. If you own a business, life insurance may play an important role in protecting what you have built.

Depending on your circumstances, coverage may help support:

• Business continuation planning

• Buy-sell agreements

• Key employee protection

• Outstanding business debts

• Ownership transitions

• Financial support for your family

Business needs can change as staffing, revenue, equipment, and operations evolve. A personalized insurance review can help identify potential gaps.

Life Insurance Options

Life insurance is not one-size-fits-all. Options may include coverage during a specified period and life insurance designed to provide lifelong protection when policy requirements are met.

The appropriate option depends on factors such as:

• Your age and health

• The length of time coverage is needed

• Your income and budget

• Current debts and future obligations

• Family and business responsibilities

• Long-term financial goals

We can explain available options and help you choose coverage based on your individual needs.

Make September the Month You Review Your Protection

Life Insurance Awareness Month is a helpful reminder to make sure the people and priorities you work hard for are protected. Whether you are purchasing your first policy, reviewing workplace benefits, planning for your family, or protecting a business, we are ready to help.

Call, text, or stop by the office for a life insurance quote or personalized insurance review. Let’s help you prepare for today—and protect the people who matter most tomorrow.