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Life insurance is a way to provide for your loved ones in the event of a tragedy that happens to you. The money they receive can be used to help pay for expenses, loss of income, debts, educational needs, mortgage payments, and more.
We understand that you have worked hard to provide a quality life for your family, and it’s natural to feel responsible for protecting your family’s financial future. Regardless of where you are in life, no one wants to think about the worries that affect us all — but being prepared can make all the difference for the ones you care about most.
To be prepared, you need to ask yourself the hard questions:
You don’t have to have all of the answers right now – we can help you find them.
Our team of professionals can assist you and your family in finding the clarity to answer these questions with more confidence. We will introduce concepts and philosophies to help you calculate the appropriate amount of coverage to give you peace of mind.
How To Find The Suitable Amount Of Coverage for You?
Try our Life Insurance Calculator.
What Financial Tools Are Available That Can Best Help My Family?
There are two main types of life insurance categories available: term life insurance and permanent life insurance.
Term life insurance is an easily affordable coverage set for a specific time frame, which is typically 10 to 30 years. Permanent life insurance, by contrast, offers lifetime coverage with the potential to build equity (otherwise known as cash value) and options for more flexibility. Many people choose to supplement their permanent insurance with term insurance.
Benefits of Term Life Insurance
Types of Permanent Life Insurance:
To find out which is suitable for you, click the button below to learn more about general concepts from a professional, that will help make that decision for today and for your future.
Many people take out insurance policies for their homes and cars, but oftentimes, they will forget about their most important asset – the ability to work and earn a living. If you become ill or are injured and cannot work, disability insurance can help replace a portion of your income to help cover your financial needs.
There are substantial concerns that could arise when you no longer earn a paycheck, such as the ability to make ends meet, having to use your savings to cover life’s necessities and risk your family’s financial future to afford what you need. Unfortunately, disability and loss of income may be more common than you think.
Consider these facts:
Where can you go from here?
It helps to have a strategy set in place in the event of a disability. To learn how you can protect your future, access this five-step guide from the Council for Disability Awareness and take steps today to protect the financial future of yourself and your loved ones.
You also have to think long-term. How much do you earn in a year and what would that be over a lifetime? A 25-year-old worker who makes $50,000 a year and suffers a permanent disability could lose $3.8 million in future earnings.
For all these reasons, almost anyone who works – regardless of their marital or familial status – should consider disability insurance.
Try out our Disability Calculator.
Sources: 1Disability Can Happen2American Aid Foundation3Disability Can Happen