Florissant, Missouri
3327 N Hwy 67
Florissant, MO 63033
(314) 921-7900
The Zach Plackemeier State Farm Insurance Agency office opened in 2016 across from the new Wal-Mart on Hwy 67 to serve customers in Florissant and Saint Charles, MO as well as surrounding St. Louis County with all their Insurance and Financial Service needs. Zach was born and raised in Saint Charles, MO. He played division 1 basketball in college for Indiana-Purdue Fort Wayne. He enjoys being active in the community and is a member of the North County Chamber of Commerce. Zach is a State Farm Chairman Circle agent which represents the top 3% of agents across the nation. Zach and his team are here to help with Auto Insurance, Commercial Auto Insurance, Home Insurance, Renters Insurance, Life Insurance, and more. Contact them today to see how they can help you and your family.

When Should You Update Your Life Insurance Policy? July 25, 2018

Florissant, St. Louis, MO
When Should You Update Your Life Insurance Policy?, Florissant, Missouri

Life insurance provides critical protection for your loved ones, giving them the financial resources they need to begin rebuilding if something catastrophic happens. Since your financial situation will change over time, it’s important to update the policy periodically. Below are some signs you should consider reevaluating your life insurance policy.

When to Update Your Life Insurance

Your Financial Circumstances Change

Receiving an inheritance, buying a house, or starting a business often means changes in income and responsibilities. If your net worth is substantially from when you purchased your life insurance, you may need a policy with a higher death benefit. Conversely, paying off a mortgage or retiring may reduce the amount you need.

Marriage & Childbirth

life insuranceThe primary purpose of life insurance is to provide for dependents, so review the policy as your family grows. After a wedding or the birth of a child, you may need to increase benefits to match your new financial responsibilities. Taking in an elderly family member or marrying someone with children from a previous marriage should also trigger a review of your policy.

Divorce & Reduced Responsibilities

Some major life events may result in reduced responsibilities, and your coverage should reflect the new situation. After a divorce, you will likely wish to select a new beneficiary or reduce the benefit altogether. Similarly, as children grow and start careers of their own, they require less financial support and may not need the full amount of coverage you originally purchased.


Whether you’re updating your life insurance coverage or buying a policy for the first time, an experienced agent will provide peace of mind and expert advice. As a member of the State Farm® Chairman Circle, Zach Plackemeier, State Farm Insurance Agent is one of the top professionals in the country. He is known throughout the St. Louis, MO area for designing custom policies tailored to customers’ needs. Visit the website or call (314) 921-7900 to request a quote. Like him on Facebook for regular news and updates.

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