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What is Life Insurance?
Life insurance is insurance that will protect your family and/or specified dependents in the event of the policy holders death. In general, it is an
essential component in planning for the future.
There are many options with coverage, depending on your situation. And there are three main categories of life insurance: term life, universal life,
and whole life insurance.
Term life is the simplest and least expensive type of policy. It's pure insurance with no cash value account. A term life policy has only one function: to
pay a specific lump sum to whoever you've designated, upon a specific event, your death.
more
Whole life insurance provides permanent protection for your dependents while building a cash value account. With this type of insurance, the
insurance company manages the policies various accounts.
more
Universal life insurance provides permanent protection for your dependents and is more flexible than whole or variable life.
Life insurance is insurance that will protect your family and/or specified dependents in the event of the policy holders death. In general, it is an
essential component in planning for the future.
There are many options with coverage, depending on your situation. And there are three main categories of life insurance: term life, universal life,
and whole life insurance.
Term life is the simplest and least expensive type of policy. It's pure insurance with no cash value account. A term life policy has only one function: to
pay a specific lump sum to whoever you've designated, upon a specific event, your death.
more
Whole life insurance provides permanent protection for your dependents while building a cash value account. With this type of insurance, the
insurance company manages the policies various accounts.
more
Universal life insurance provides permanent protection for your dependents and is more flexible than whole or variable life.
Do you need Life Insurance?
It depends on your situation. Several key questions follow below to help give you an idea of signals pointing to “yes”.
1. Are you married?
2. Own a business?
3. Dependent children?
4. Other dependent relatives? (seniors, disabled)
5. You possess a formidable estate
6. Currently have major financial obligations? (mortgage, multiple loans)
A good life insurance policy would handle the financial responsibilities you left behind so family members wouldn't be burdened. Unlike the funds
from an estate, the benefits from a life insurance policy will shoot straight to the beneficiaries, without any roadblocks.
It depends on your situation. Several key questions follow below to help give you an idea of signals pointing to “yes”.
1. Are you married?
2. Own a business?
3. Dependent children?
4. Other dependent relatives? (seniors, disabled)
5. You possess a formidable estate
6. Currently have major financial obligations? (mortgage, multiple loans)
A good life insurance policy would handle the financial responsibilities you left behind so family members wouldn't be burdened. Unlike the funds
from an estate, the benefits from a life insurance policy will shoot straight to the beneficiaries, without any roadblocks.