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Which Type of Life Insurance Should You Buy?

Choose permanent life insurance if you:

1. Want to provide family members with money for your final expenses, such as medical bills and funeral costs.
2. Need to protect a large estate or family business from estate taxes.
3. Want to provide for lifelong dependents, such as a child with special medical needs.

Choose term life insurance if you:

1. Want the most affordable type of life insurance coverage available.
2. Have no dependents who will need financial help for the rest of their lives.
3. Don't own a family business or have a large estate to protect.
4. Need insurance coverage only until a certain age or eventuality, such as last child graduating from college.

Life Insurance for Women

Regardless of your age, financial or family situation, you likely need life insurance to help preserve your family's financial future and ensure that any debts and funeral costs you have don't burden your loved ones.

Over 60% of women don't have a life insurance policy in their name. Those who have purchased life insurance tend to purchase nearly 50% less coverage than men.

For the Single Mom:

Even though a life insurance policy for a woman typically costs less than for a man, nearly 40% of single mom's are without a life insurance policy. Your role as parent makes life insurance a very important purchase that more women need to be making.

For the Stay-At-Home Mom:

Because the stay-at-home Mom isn't paid, our economic system of measurements undervalues their role. How are your responsibilities met after you're not able to take care of your children and home? Does your husband or significant other do that, or do they need to hire someone. A life insurance policy can help with those important roles, especially in the aftermath of someone passing away far too young.

Choosing Term Life Insurance

Which term life insurance coverage is right for you depends on your age, finances, and your needs. While term life insurance is most often purchased in preparation to replace the loss of income derived from a persons untimely death, it also is bought to cover final expense and burial expenses.

Term life insurance covers a specified period of time that is usually 10, 15, 20, or 30 years. If the death of the one insured happens within the time period chosen for the life insurance, your beneficiaries receive the face value of the term life insurance policy tax free. Premiums that are normally guaranteed to remain the same for the duration of the term and increasing when the guaranteed policy period ends.

In most cases, you must have a medical exam to buy term life insurance. Typically a minimum of blood and saliva samples are taken, along with your blood pressure, weight, and height by an examiner to qualify for life insurance. Some insurers may require an additional urine sample. You will also be asked about your medical history and most likely your parents medical history.

Start the new year off right by assuring your family’s financial security. Call us for life insurance quotes today.

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