Accidents happen without any notice. Life insurance helps those you leave behind pay bills, educational costs, and funeral expenses among other things. Nothing can replace you in their hearts, but life insurance can make things easier for them when your gone.
Do I need life insurance?
I have a family.
If you have a spouse or children that depend on you for income, then life insurance would provide financial support if you were to suddenly die.
I want a family.
If you are single but want to have a family someday, then getting life insurance now when you are young will be cheaper than when you are older.
I prefer being single.
Even if you have no desire for a family or children, there are wealth building advantages to Life Insurance such as Tax-Deferred Cash Value.
Our FOURSTEP™ process allows us to create a Life Insurance plan that effectively meets your needs at the best price.
We meet with you to identify your needs and explain the advantages of each policy. Next, we customize policies available to meet your specific needs and budget. We submit one application to many carriers to find you the best rate and coverage before issuing your policy. Finally, We annually review your Life Insurance to make sure that your coverage meets your present needs.
4 reasons why you need Life Insurance.
Life insurance can help pay your family’s bills ( rent , childcare, living expenses ) when income is lost due to your death
Life insurance can help pay for final expenses — such as your medical bills and funeral expenses — so that your loved ones do not have to shoulder this financial burden.
The average student loan debt is $29,000. You can significantly alleviate that burden for your children by having your life insurance help pay for their education.
Life insurance can help pay Estate Taxes when you pass away so that more funds can be transferred to your loved ones.
But I can’t afford Life Insurance.
A $250,000 dollar term life insurance policy is as low as $20 dollars per month. For just a few dollars a day — the cost of coffee! — you can help protect your family’s future.