Best Life Insurance

Do you have anyone dependent on your income? Then life insurance is essential. Yet, the vast majority of life insurance holders don't have the right type of coverage or the right amount. According to the Life Insurance Marketing and Research Association, about a third of all households will be financially strained during the initial month of losing a breadwinner.


Life insurance is a way to financially help your loved ones after your death. Life insurance can be a very important part of your financial planning and well being.


Life Insurance Common Questions

See some common questions and answers below


  • What is Life Insurance?

    There are three different types of life insurance: whole life, term life, and final expenses. With whole life insurance, you pay a certain amount each month or year, called a premium.


    Once your premiums are paid, your life insurance lasts until you die. Term life insurance lasts for a set period of time, for instance, you may get term life insurance for 19 years to replace your income should you pass away. 


    Once the term expires, the insurance expires. The last type, final expenses, is designed to help your loved one provide burial services. 

  • How Can Life Insurance Help?

    Life insurance can help families survive the financial loss of a wage earner. It can also help with burial expenses, which tend to range between $6,000 and $12,000. 

  • Who Should Get Life Insurance?

    If you are a parent, consider life insurance to replace your income or to be able to help your surviving spouse to pay for extra assistance that are provided for “free” in family settings, such as child care, housekeeping, etc.


    Life insurance is also a way to provide an inheritance for your loved ones.


  • How Much Does Life Insurance Cost?

    The cost of life insurance depends on which type you choose, the final payment amount, and your age and health. Term life insurance is less expensive than whole life. 


    Whole life insurance can be five to fifteen percent more expensive than term life.


    The more money you want your heirs to receive, the more expensive the insurance. And finally, the younger and healthier you are, the less expensive your insurance, regardless of type.

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