LIFE INSURANCE
Protect What Matters Most...
Today and Tomorrow
Life insurance isn’t just about policies. It’s about peace of mind knowing your family is cared for after you're gone.
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Why Think About Life Insurance Now?
Life is full of the unexpected. Life insurance ensures your loved ones are financially protected if something were to happen to you. From covering everyday expenses to paying off debt or funding education, it’s a safety net your family can count on.
Helps cover funeral and final expenses
Replaces lost income for your family
Protects your home and lifestyle
Supports children’s education and future
- $0 BillionLife insurers pay out over $5 billion in benefits to Missouri families every year.
- 0% of FamiliesNearly 4 in 10 families would face financial hardship within six months without life insurance.
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How Much Do You Need Covered In Life Insurance?
Find out with our income replacement calculator!
No matter how much income a family earns, most households rely on that money to maintain their lifestyle. If your family depends on one or both incomes, it’s important to have life insurance in place to help protect and potentially replace that income if the unexpected happens.
- Understand how much life insurance coverage makes sense for your family’s situation
- See how the right coverage can help maintain your family’s standard of living
- Identify the death benefit amount that best fits your needs
This calculator will help you:
Life Insurance Calculation Scenario
John makes $100,000 a year, and his family depends on that income to cover their lifestyle and expenses. He’s 45 now and plans to retire at 65, so he wants to make sure his income is protected for the next 20 years.
Looking at the chart, John finds that he would need about $1.47 million in life insurance coverage. Why? Because if something happened to him, that amount—invested at a safe 3.25%—could provide his family with $100,000 each year for 20 years. In other words, it would replace his paycheck until the time he planned to retire.
Get Started
Shawn Osborne has had the pleasure of working with families to help protect their financial security with life insurance for more than 30 years.
Fill out and submit our form below to get started protecting your loved ones with a free, personalized quote. A few minutes today can secure your family’s financial security for years to come.
Why Families Across the Ozarks Trust OFG Insurance
We’re more than an agency, we’re neighbors looking out for you.
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Local Experience Since 1994
We’ve been serving Missouri families for decades, giving us the experience to guide you through every option with confidence.
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Personalized Coverage Plans
We don’t believe in one-size-fits-all. We’ll help you find a plan that fits your family’s needs and budget.
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Independent Advantage
Because we’re an independent agency, we compare top carriers to get you the best coverage without the runaround.
Decades of Experience
Shawn K. Osborne, President and Sr. Risk Advisor, has been in the insurance industry for over 30 years. He has extensive knowledge to offer you guidance, and help you make the right decisions for yourself, your family and your business. He started Osborne Financial Group in 1994. For decades, our agency has received many industry awards for underwriting and service excellence.
READY TO GET STARTED?
Minimize Your Risk By Maximixing Your Coverage
Fill out the form below to receive a personalized quote without the hassle of back-and-forth emails or paperwork.
