Most Americans need life insurance. To figure out if you need life insurance, you need to think through the worst-case scenario. If you died tomorrow, how would your loved ones fare financially? Would they have the money to pay for your final expenses (e.g., funeral costs, medical bills, taxes, debts, lawyer's fees, and etc.)? Would they be able to meet ongoing living expenses like the rent or mortgage, food, clothing, transportation costs, healthcare, etc? What about long-range financial goals? Without your contribution to the household, would your surviving spouse be able to save enough money to put the kids through college or retire comfortably?
The truth is, it's always a struggle when you lose someone you love. But your emotional struggles don't need to be compounded by financial difficulties. Life insurance helps make sure that the people you care about will be provided for financially, even if you're not there to care for them yourself.
Call us to find out your options. Prices vary widely by company, age and physical condition and family history. We can give you a realistic idea of what the cost will be. This is a plan that cannot be determined by entering your age and coverage into a web site.
Types of Life Insurance
The most common types of life insurance are:
- Whole Life Insurance
- Universal Life Insurance
- Final Expense Life Insurance
- Term Life Insurance
- Return of Premium Life Insurance
- Mortgage Protection