Life insurance is a way to help protect your loved ones financially if something happens to you. In exchange for a monthly or annual premium, your policy provides a death benefit—a tax-free payment made to your chosen beneficiary after you pass away. This benefit can help cover funeral expenses, replace lost income, pay off debts, or support long-term goals like education or retirement for your family.
Life insurance is not just for those with dependents—it can also be a valuable tool for estate planning, business continuity, or leaving a legacy.
Choosing the right type of life insurance depends on your goals, budget, and how long you need coverage. Here are the most common options:
Provides coverage for a specific period (e.g., 10, 20, or 30 years).
Permanent coverage that lasts your entire life, as long as premiums are paid.
A flexible type of permanent insurance that combines life-long protection with a cash value component.
Understanding life insurance doesn’t have to be complicated. We’ll walk you through your options and help you find the right plan based on your needs, goals, and budget.
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