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Life Insurance
Life Insurance
What do you love about your life?
You might be grateful for a partner who understands you better than anyone else. Maybe you delight in watching your children embrace their talents. Perhaps a recent promotion is giving you the chance to flex some leadership skills. If all goes according to plan, you’ll pay off the mortgage, put your kids through college, and enjoy a long retirement. But you know the unexpected could happen — do you want to help plan for your family’s future if they must go on without you? Life insurance may help lighten their financial burden. We can show you a number of coverage options you can tailor to your priorities and budget. In fact, life insurance plans may be more affordable than you might think.
Types of life insurance
There are many types of life insurance, here are three types of life insurance — and each has unique characteristics:
- TERM LIFE INSURANCE
- WHOLE LIFE INSURANCE
- UNIVERSAL LIFE INSURANCE
What’s the best coverage for you?
When it comes to life insurance, there’s no such thing as “one size fits all.” Everyone has different needs, goals, and financial considerations. That’s why coverage comes in a variety of forms, with a range of features you can tailor to your unique situation:
- Your family is young and growing, so you may be juggling a mortgage, auto loans, and childcare costs. While your expenses may continue to expand over time, you may want an affordable life insurance policy that helps you plan for your family’s financial future until the kids are grown and the house is paid off.
- You’re more established in life. In addition to providing a death benefit to your beneficiaries, you may leverage the loan or partial surrender features of certain policies to help support things like supplemental retirement income, caring for a family member with a disability, or preparing for eventual estate taxes.
- You’re single and have no children. The death benefit proceeds from your life insurance policy may help support obligations such as the costs of your debts, medical bills, or final expenses — and may also help leave a legacy to someone you love or a favorite charity.
