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Happy Family

Life Insurance

A Happy Family

Plan for the future, Live for the moment.

What is Life Insurance?

Buying life insurance to provide for your family in the event of your death is one of the most reasonable decisions you can make. With so many variables to consider. It's important to understand how much coverage you require and what type of policy suits your needs best. 

Life insurance is designed to take care of your family's immediate as well as future needs. Do you have a mortgage and other debts that require the joint income of both you and your spouse to make payments? 

If so, how much money does your spouse need to keep up with bills and provide for the family's future?

If you have children that have not yet graduated from college, you should also consider the additional amount needed to supplement your spouse's income to safeguard your children's education expenses. 

Life insurance is one of the most selfless gifts you can give to the people you would leave behind if you pass away. 

Life insurance is not as complicated as many people may think. So rather than view it as such, consider what it could mean to your loved ones someday if they lost you - and think of it instead as a potentially happy ending to a difficult situation. 

Life insurance is not for you - it's for your family! If you think you don't need life insurance, you're right - technically, at least. You don't purchase life insurance for yourself. You purchase it for the loved ones you leave behind

Five reasons why you should buy life insurance:

~ Pennies on the Dollar - The time is now! If someone said they would give you $10 for everyone $1 I gave them, how many $1 would you give them?   This is exactly how life insurance works!

~ Tax Advantages -  Death benefits from a life insurance policy is paid out tax free! 

~ Life insurance is about taking care of loved ones -  It's about meeting responsibilities and keeping promises. Life insurance is a tool that protects your spouse and children from the potentially devastating financial losses that can result if you die prematurely.

~ Life insurance is for the living - There are many living benefit riders like chronic, critical, and terminal illness riders that come standard with policies at no-cost! You can get a cash payout early from your policy if you ever develop any kind of illness or disease like a heart attack, stroke, cancer, and many others. This will help you and your family in the time you need the cash the most. 

~ Life insurance is an expression of love and caring - Because you care about your family. you want to ensure their financial security if you're suddenly not around to provide it. 

"If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance"

-Suze Orman-

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