Purchasing life insurance allows you to provide a safety net for your loved ones in case you pass away. A life insurance policy is a contract stating that, as long as your premium is paid and the policy is active when you die, your beneficiaries can receive a death benefit payout to be used however they like — for final expenses, paying off outstanding debt, and even everyday costs.
Not all deaths are unexpected — in fact, more adults age 25-44 die each year from serious illness than by accidental injury,3 many leaving significant medical bills behind. Unfortunately, by the time someone is diagnosed with a serious illness, it is often too late to get life insurance coverage. You can help ensure your family is able to stay in their home and not dip into savings to pay medical bills by having life insurance.
Term Life Insurance
Term life insurance provides coverage for a specific amount of time: typically 10, 15, 20, or 30 years. It's affordable and simple — it may make sense if you only want protection for a set number of years.
Final Expense Insurance
Final expense insurance covers death expenses including funeral plans and any remaining medical or legal expenses that will need to be settled by your beneficiary. This coverage can ensure that your loved ones aren't left with a financial burden.
Universal Life Insurance
The insured person is covered for the duration of their life as long as they pay premiums to maintain coverage. The insurance combines a savings component with lifelong protection. When you pass, the policy's death benefit is paid to your beneficiaries.
Simplified Life Insurance
Simplified issue insurance is a life insurance policy you can be approved for with minimal health questions. This type of insurance is typically geared towards people who need to obtain life insurance right away and/or those who don’t wish to submit to a medical exam.
Group Life Insurance
Group life insurance is a specific type of life insurance typically offered by a large organization to its members. Large companies often offer this coverage to their employees as part of its benefits package.
Permanent Life Insurance
A permanent life insurance policy is a contract with a life insurance company to provide protection throughout your entire life, as opposed to term insurance that just provides coverage for a specified number of years.
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