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DePolo & Associates Insurance
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Life and retirement coverage in Mount Vernon, Ohio
Life Insurance

Life and retirement protection for the people you love

Life insurance is for the family you leave behind

If you think you don't need life insurance, you're right — technically. Life insurance isn't really for you. It's for the family you'd leave behind. None of us wants to think about that day, but planning for it is one of the most generous things you can do for the people who depend on you.

DePolo & Associates offers term, whole, and universal life options, plus long-term care and retirement planning. We'll always be here to guide you through the conversation — at whatever pace makes sense.

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Family protected by life insurance

Coverage for every stage

Our life and retirement options span untimely passing, long-term care, and retirement income strategy. Life insurance pays benefits to your beneficiaries when you pass away — which can replace lost income, pay off debts, fund education, and keep the people you love from financial hardship. We help you pick a policy that matches your situation, your budget, and the legacy you want to leave.

Plan Types

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Long-Term Care
  • Retirement Planning
FAQ

Frequently Asked Questions

What's the difference between term and whole life insurance?
Term life covers you for a set period — usually 10, 20, or 30 years — at a lower premium, which makes it a good fit for income replacement during working years. Whole life lasts your entire lifetime and builds cash value you can borrow against. Universal life sits in between and offers more flexibility around premiums and benefits.
How much life insurance do I need?
A common rule of thumb is 10–12 times your annual income, but the right number depends on your debts (mortgage, student loans), how many dependents you have, and what lifestyle you want them to maintain. We walk through your full picture — not just a calculator — in the consultation.
Is the life insurance through my job enough?
For most people, no. Employer coverage is usually 1–2x salary and disappears the moment you change jobs. A personal policy goes with you, locks in your rate at a younger age, and (if it's permanent coverage) builds cash value over time.
Can I get life insurance with a pre-existing condition?
Most people can. Rates depend on the condition, how well it's managed, and your overall health profile. We'll help you understand the options before you apply.
How long does approval take?
Simple term policies can be approved in a few days with no medical exam. Larger or more complex policies typically take 2–4 weeks including the medical exam.
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Helping Ohio families plan for what matters most

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