Life Insurance

What is Life Insurance?

Life insurance protects anyone who depends on you financially.  In the case of an unexpected death, life insurance provides money to pay debts or offset the sudden loss of income for your family.

Thirty percent of Americans know they need more life insurance, and 25 percent wish that their spouse or partner would purchase more life insurance.  (Source:  LIMRA)

Why you should buy life Insurance

• To protect your family and home.

Life insurance provides a financial safety net for your dependents and ensures they are not burdened by your mortgage or other debts.

• To protect your business.

Life insurance can help your partners and employees keep the business running.

• To protect your heirs.

For high net worth individuals with large estates that will be subject to estate tax, life insurance can help heirs pay the taxes rather than selling off assets.

How life insurance quotes are determined

Life expectancy is used as the basis for determining quotes.  Anything that could shorten your life expectancy will typically lead to a higher price, including:

•  Your current age.
•  Your gender.  (Women usually live longer than men.)
•  Tobacco usage.
•  Current health conditions (high blood pressure or heart disease)
•  Your immediate family’s health history (history of cancer in your family)

Never let a health condition stop you from getting quotes, as 80 percent of people overestimate the cost of life insurance.  Term life insurance is an affordable way to provide a crucial safety net for your family.

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