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Life Insurance 101
Protection for you and your loved ones.
Questions about Life Insurance? We’re here to help.
What is life insurance? How does it work?
Life insurance is a family protection plan. Its purpose is simple: to replace your income for your family after you die. It pays a death benefit to your beneficiaries if you die while the policy is in effect, in exchange for premiums you pay before your death. Your loved ones can then use the death benefit to protect against financial hardships such as loss of your income, funeral expenses, debt repayments, etc.
Why do I need life insurance?
Life insurance is for them, not you. You buy life insurance not because you’re going to die, but because those you love are going to live — and you want them to be financially secure after you’re gone. Almost everyone needs life insurance. No matter what stage of life you’re in, life insurance makes up an important part of your financial security.
What kind is best for me?
Choosing the right type of life insurance can be confusing, but it’s also an important decision and we’re here to help. Here are some questions to ask yourself that can help narrow down your best options:
Consider term insurance if….
– You need it for a specific period of time
– You need a large amount of life insurance, but have a limited budget
Consider whole life insurance if…
– You need it for as long as you live.
– You want to accumulate a savings element (or cash value) that will grow on a tax-deferred basis and could be a source of borrowed funds for a variety of purposes.
When do you need to start purchasing life insurance?
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