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LIFE INSURANCE

Life Insurance Protects Your Family’s Future.

When you have a family, you want to know that they will be taken care of when you are gone, and that’s where life insurance comes in. Without you there, your family members could struggle in a variety of ways, including making ends meet. When your income isn’t there to provide, your family could be left struggling. Life insurance allows you to:

  • Create a fund for a family member with special needs.
  • Pay for your family member’s college education.
  • Keep paying the home mortgage.
  • Help your family maintain the life it is accustomed to.
  • Pay off estate taxes, debts, and final expenses.

But before you can do this, you’ll need to choose the appropriate life insurance plan that fits you and your family’s needs. When choosing life insurance, you have the choice of three options: term, whole, and universal.

Term Life Insurance

This type of life insurance provides the most basic and straight forward protection for your family and is quite often the most affordable way to purchase a large amount of insurance. Term policies provide for your family for a certain period of time, or “term,” often for 10, 20, or 30 years. The benefits stop once the term has expired and typically go to the beneficiary. Term insurance is not usually used for estate planning needs or charitable income, but for pure income replacement needs for an individual. Policy holders often have the ability to change term insurance to whole or universal life insurance, if needed.

Whole Life Insurance

Whole life insurance provides you and your family with the peace of mind that comes with knowing that those you love will be taken care of when you are gone. Whole life insurance policies provide protection for a lifetime of needs and opportunities. Typically, whole life insurance policies provide tax-deferred growth of cash value, are eligible to earn dividends, and provide cash that can be accessed during the insured’s lifetime. Additionally, death benefits pass on income tax-free to your beneficiaries.

Universal Life Insurance

Universal life insurance policies offer a flexible way to help protect your loved ones and build tax-deferred cash value. Policy holders are usually able to decide the amount of life insurance and premium payments and have access to the cash value, which can help pay for educational expenses, provide a retirement supplement, and other personal objectives. Your beneficiaries can use the benefits to cover loss of income, pay for educational needs, or whatever they need after you are gone.

We Can Help Find the Best Plan For You

Planning for the future is often an overwhelming task, and one that is filled with many choices. Let InsuranceGenius.com do the work for you by providing you with quotes from several of the leading insurance companies. All you have to do is select the coverage that works best for you and your family.