https://sjlagency.com/blog Insurance insights, tips, and advice from Seth Legatowicz of SJL Insurance Agency. en-us Sat, 13 Jun 2026 00:00:00 +0000 https://sjlagency.com/blog/#/blog/why-you-cant-afford-to-not-have-life-insurance https://sjlagency.com/blog/#/blog/why-you-cant-afford-to-not-have-life-insurance Think life insurance is only for wealthy people with big estates? Think again. Here's why it matters at every income level. seth@sjlagency.com (Seth Legatowicz) 2026-07-06 https://sjlagency.com/blog/#/blog/review-life-insurance-beneficiaries https://sjlagency.com/blog/#/blog/review-life-insurance-beneficiaries You set your beneficiaries years ago and haven't thought about them since. That could be a costly mistake. seth@sjlagency.com (Seth Legatowicz) 2026-06-29 https://sjlagency.com/blog/#/blog/why-you-need-long-term-care-insurance https://sjlagency.com/blog/#/blog/why-you-need-long-term-care-insurance The U.S. Department of Health and Human Services estimates that 70% of people turning 65 will need long-term care at some point. seth@sjlagency.com (Seth Legatowicz) 2026-06-22 https://sjlagency.com/blog/#/blog/life-insurance-needs-by-age https://sjlagency.com/blog/#/blog/life-insurance-needs-by-age Your life insurance needs change as you move through different stages of life. Here's a practical guide to what makes sense at every age. seth@sjlagency.com (Seth Legatowicz) 2026-06-15 https://sjlagency.com/blog/#/blog/7-reasons-to-own-disability-income-insurance https://sjlagency.com/blog/#/blog/7-reasons-to-own-disability-income-insurance Most people insure their cars, their homes, even their phones. But what about your most valuable asset — your ability to earn an income? seth@sjlagency.com (Seth Legatowicz) 2026-06-08 https://sjlagency.com/blog/#/blog/term-life-vs-whole-life https://sjlagency.com/blog/#/blog/term-life-vs-whole-life The most common question I get from clients. Here's a straightforward breakdown of the difference. seth@sjlagency.com (Seth Legatowicz) 2026-06-01 https://sjlagency.com/blog/#/blog/how-much-life-insurance-do-i-need https://sjlagency.com/blog/#/blog/how-much-life-insurance-do-i-need A simple formula to figure out the right coverage amount for your family. seth@sjlagency.com (Seth Legatowicz) 2026-05-15 https://sjlagency.com/blog/#/blog/why-use-an-independent-agent https://sjlagency.com/blog/#/blog/why-use-an-independent-agent Online quote sites look convenient. Here's why working with an independent agent saves you money and hassle. seth@sjlagency.com (Seth Legatowicz) 2026-05-01