Life Insurance Quote Forms
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Life Insurance Information
FOCUSING ON ON YOUR NEEDS!
PROVIDING COMPARISONS THAT MAKE IT EASY FOR YOU TO CHOOSE!
SUPPORTING YOUR EFFORT TO FIND A PLAN AND MAKE A CHOICE THAT YOU ARE COMFORTABLE WITH!
PROVIDING PLANS AND RATES THAT PROVIDE THE VALUE THAT YOU WANT!
MOST IMPORTANTLY, HELPING YOU PROTECT YOUR FAMILY, AS WELL AS, YOURSELF!
- Life insurance is about taking care of loved ones.
"It is about meeting responsibilities and keeping promises. You view your decision to purchase life insurance from your family's point of view, not your own."
"You see life insurance as 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.
"It's not about you. You know that, should anything happen to you, the life insurance you have purchased is in place to protect and provide financial relief for those who must carry on without you. It’s about them."
- Life insurance is an expression of love and caring.
"Because you care about your family, you want to ensure its financial security if you’re suddenly not around to do so."
- Should you die, the proceeds will help you keep the promises you have made to the people who are important to you.
"By protecting their financial future, you’re enabling your loved ones to maintain their lifestyle, if something unexpected should happen to you."
- Life insurance buys time and options.
"Too often, when an income earner dies, survivors are forced to make tough, dramatic decisions—and to do so quickly—at a time when they may not be emotionally in a position to make good choices."
"Life insurance gives survivors a chance to adjust over time rather than having to move to a downsized home or find new job right away. Your life insurance gives your family choices by providing the benefits to help pay off debts, to help meet housing payments and ongoing living expenses, to help fund college educations for your children or grandchildren, and much, much more."
• Life insurance provides cash when it’s needed most.
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.
But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.