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Life Insurance

What is Life Insurance?

This type of insurance pays your beneficiaries an amount of money in the event that you pass away while the policy is in effect.

How does this insurance work?

When you decide that you would like to purchase a policy, your agent will determine whether or not you qualify. If so, your agent will set your premiums or the amount of money that you will be required to pay every month to keep your policy in effect. If you purchase a 20-year policy, for example, your beneficiaries will receive the sum of money that you opt to leave them if you pass away during the term.

Major benefits.

This type of insurance is a financial vehicle that can offer you peace of mind. If you pass away before your children have reached the age of majority, your spouse will have the means to carry your family forward. If you have family members who will be dependent upon you for their entire lives, this type of insurance will provide them with the money they will need in the event that you cannot be around to support them. It can also relieve your spouse of the burden of having to pay the entire mortgage payment when you are no longer around to help with the expense.

Who needs this insurance?

Many people need to purchase this type of insurance. If you have people who are dependent on your salary, this insurance is for you. If you would like to reduce the amount that your beneficiaries would need to pay in taxes, this insurance will accomplish this goal. If you would like to offer a financial gift to a favorite charity, this insurance will provide it for anyone that you like.

The different types of coverage in existence.

You may purchase term insurance that covers you for a set amount of time. For example, you can purchase policies that last one year, five years, 10 years, or 20 years. There is also the option of purchasing permanent insurance policies that do not need to be renewed. These include universal, variable, and whole insurance policies.



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