What do you love about your life? You might be grateful for a partner who understands you better than anyone else. Maybe you delight in watching your children embrace their talents. Perhaps a recent promotion is giving you the chance to flex some leadership skills.
If all goes according to plan, you’ll pay off the mortgage, put your kids through college and enjoy a long retirement. But you know the unexpected could happen — do you want to help plan for your family’s future if they must go on without you? Life insurance may help lighten their financial burden.
Term life insurance offers level premiums for a specific period of time — generally 10, 20, or 30 years. The initial level premium tends to be lower than comparable permanent coverage. And proceeds may help your family financially if the unexpected happens when they still have major expenses.
Generally, the shorter the term, the less expensive term coverage can be. While premiums remain level for the term period, they will rise if you decide to continue the coverage beyond the level premium period.
Maybe you like the idea of a policy that builds cash value you can access to help you with financial obligations. Perhaps you want to help protect your family’s financial future with higher coverage levels.
Whole life is permanent insurance that might be a good option. As long as you continue paying your premium, it may be a way to help prepare for the future and provide for heirs.
Universal life insurance — like all life insurance — is there to help you support your loved ones’ financial future in case you’re not there to provide for them yourself. As your needs and priorities change, a universal life insurance policy lets you adjust your coverage and premiums, too, within policy limits.
What are your priorities as you think about financially supporting the ones you love? You might want an extra layer of just-in-case coverage to help supplement your existing life insurance policy. Maybe you’re looking for a quick approval process without health questions or exams. Or you may simply want to help provide for heirs in the unlikely event of an accident
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