Protect the people who depend on you

Your income and the care you provide deserve a plan.

If someone relies on your income, childcare, eldercare, or household work, ask a local agent whether your resources and life insurance would support them if you died.

Choose protection for the life you’ve built. Then compare the price. This is educational preparation for a licensed-agent review, not a quote or personal determination.

Sources: Oregon DFR: life insurance needs; NAIC consumer guide: life insurance.

A non-collecting needs worksheet

This is an original planning aid, not a regulator formula. Nothing here is entered or saved; work through it on paper.

1. Future household support shortfall
2. Plus additional caregiving costs
3. Plus obligations survivors face
4. Plus education goals
5. Plus final costs
6. Minus dedicated available resources
7. Minus usable existing death benefits

For the support shortfall, estimate household support costs less the survivor income you expect over a stated support duration. Add the first five worksheet items and subtract the last two, using consistent time periods. List assumptions and uncertain amounts rather than treating the result as a coverage determination.

• State how many years of support you assume and what survivor income you assume.
• Do not double count debt or care costs.
• Savings earmarked for another goal are unavailable, so do not subtract them.
• Do not assume work coverage continues if a job changes.
• There is no fixed multiple of income. If the result shows no gap, that does not imply you need more insurance.

Sources: Oregon DFR: life insurance needs; NAIC consumer guide: life insurance.

Term and permanent

Term insurance covers a set period and generally costs less initially. Permanent insurance may fit longer needs and generally costs more initially. Ask about funding, guarantees, tradeoffs, and affordability. This guide has no universal product preference and promises no returns. Review existing coverage before any replacement.

Sources: Oregon DFR: types of life insurance; NAIC consumer guide: life insurance.

Moments to review

• Birth or adoption
• Marriage or divorce
• Home purchase
• Job change
• New caregiving responsibilities

Choose a local agent

Ask about available products and next steps; this guide does not confirm life-product availability or approval.

Jeff Guettler

Farmers agent. Portland and Molalla offices.

Choose Jeff’s office: Portland or Molalla, see office details below

Matt Schoenecker

Farmers agent. Tigard office.

Start on Matt’s Tigard Farmers page(opens the official Farmers website in a new tab)Call Matt: +1 503-863-5807

Office details: addresses, phones, official pages, Google reviews

• Jeff Guettler, Portland office

  4380 S Macadam Ave, Suite 150
  Portland, OR 97239

  Portland Farmers page(opens the official Farmers website in a new tab)Call 971-303-8508Google office listing and reviews

• Jeff Guettler, Molalla office

  216 Center Ave, Suite B
  Molalla, OR 97038

  Molalla Farmers page(opens the official Farmers website in a new tab)Call 971-303-8508Google office listing and reviews

• Matt Schoenecker, Tigard office

  7455 SW Bridgeport Rd, Suite E200
  Tigard, OR 97224

  Tigard Farmers page(opens the official Farmers website in a new tab)Call 503-863-5807Google office listing and reviews

Reviews concern the office, not MyQuotePDX. Both Jeff offices share one phone number.

Choose a named participating Farmers agent, not a whole-market comparison service. Each office's Farmers page opens in a new tab; confirm the agent and office handling your request. A page opening or phone-link click is not a connected conversation, quote or policy purchase. Ask the agent what options they can discuss.