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Life Insurance

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Life insurance is the most effective way to ensure your family is financially secure when you pass away. Without life insurance, your loved ones may face financial trouble, be unable to access funds, or be left without the support of a breadwinner.

Life insurance policies are available in two basic types: term and whole life. Term insurance is very affordable but does not build equity. It provides insurance for a certain period of time or a specified “term” of years. Whole life insurance, often called “permanent” or “universal” insurance, guarantees an eventual payout. Whole life policies have higher premiums but have the advantage of accumulating value over time.

Protecting Your Family With Life Insurance

Your financial planning should include putting a life insurance policy in place. If a person passes away suddenly or due to a health condition, those left behind may suffer severe financial stress. Rather than leaving your loved ones in this situation, life insurance pays out a death benefit that allows them to pay for what they need. You may have an estate to pass on to those you love, but it can take time for probate to be completed. A life insurance death benefit is paid quickly and is not subject to taxation.

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