Life Insurance

Life Insurance

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Financial peace of mind for you and your loved ones.

You have people that depend on you. So it’s important to put together a plan to continue caring for them. And while it’s not anyone’s favorite topic, it can be imperative to your family’s future. Life insurance is one way to face the unknown with the assurance that the people you love will have the financial resource they need.

Term Life Insurance

Term Life insurance is one of the more popular forms of life insurance and typically one of the most cost effective. It provides coverage over a specified amount of time, typically 10, 20 or 30 years. Replacing a source of income or covering a loan, such as the mortgage on your house, are common uses for buying term life insurance.

Permanent Life Insurance

Permanent life insurance provides lifelong protection. As long as you pay your premiums, this coverage will never go away and, at your death, will be paid out to your chosen beneficiaries on a tax-free basis. “Whole” life and “Universal” life are the two most common types of permanent insurance, although there are alternatives such as “Variable Universal” life. Permanent policies also have the ability to build cash value that you may be able to borrow against or surrender for cash at a certain point.

How much life insurance do I need?

Planning to meet the financial needs of your survivors is one of the most important and fundamental steps in creating a sound financial plan for you and your family. This step may require the purchase of a life insurance policy to ensure that your family’s needs will continue to be met, even after your untimely death cuts your earnings potential short.

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