Life Insurance Secures Your Family’s Future

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Life insurance provides financial protection for your family in the event of your passing.

Life Insurance Basics

There are a variety of life insurance products. It can be very confusing but it can be broken down to Term Life being the least expensive over a 20 year period. A cash value Whole or Universal life and Variable life will be more cost effective over a 25 plus year policy when purchased through a quality cash value life carrier.

The rule of thumb is provide 10 years of income because the average woman who loses her spouse remarries in eight years. If the woman is the breadwinner the average man remarries in two years. Plus pay off any outstanding debt, provide for kids college costs and we will add on an inflation factor.

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Life Insurance

There are a variety of life insurance products. It can be very confusing but it can be broken down to Term Life being the least expensive over a 20 year period. A Cash Value Whole, Universal life and Variable life will be more cost effective over a 25 plus year policy when purchased through a quality cash value life carrier.The rule of thumb is provide 10 years of income because the average woman who loses her spouse remarries in eight years. If the woman is the breadwinner the average man remarries in two years. Plus pay off any outstanding debt, provide for kids college costs and we will add on an inflation factor.

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Our Life Insurance Providers

Should I Consider It?

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If it’s important to protect your loved ones you should consider.

Consider buying if...

If there is anyone who is dependent upon you and your income whether you're alive or not you need insurance. If there are obligations that need to be met whether you're alive or dead there is a need for life insurance.

Don't buy if...

If you have enough assets, so that you are self-insured.

Types of Life Insurance

Term Life Insurance

If it is a 20 year need or shorter Term Life is the answer. If it's much longer than that a Cash Value policy would be more prudent.

Whole Life Insurance

If you want Life insurance to be in force when you actually die this is the product for you. Not only can it provide life insurance till age 120 but it also has tax benefit cash value built up within the policy.

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