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What is life insurance?

Life insurance is a financial vehicle that is designed to protect your loved ones in event of your death. It helps pay for expenses such as a funeral, a remaining mortgage,balance as well as things like college tuition, loss of income etc.. Life insurance provides peace of mind knowing that your family can carry on in the event of your unexpected passing.

What are the Different types of life insurance?

There are two main types of life insurance: term life insurance and whole life insurance.

Temporary coverage is called “Term Life Insurance” this type of coverage is typically a lot less expensive and is designed to provide coverage protection for a specified period of time. Their are many terms to choose from, there is yearly term called “annual renewable term” that provides coverage for a set premium amount for one year after that it renews on an annual basis with premiums increasing accordingly. Then there is term insurance that locks in your premiums for a number of years such as 10, 15, 20 or 30 years. These policies provides level premiums throughout the term of the policy.

The there is “permanent insurance” these policies are designed for premiums to remain level throughout your lifetime or until the policies are “paid up.” These policies build cash value and offer many different cash accumulation strategies and future income options that are attractive to many who purchase them. The premiums are higher than term insurance because they are level for the life of the contract. The policies are called “Whole Life Insurance” or “Universal Life Insurance.”

What type of life insurance is good for me?

That depends on your specific situation if you are looking for short term coverage that may provide protection for something like a mortgage or an income replacement policy while your children are at home, then typically you would look at getting a term life insurance policy.

If you are looking for coverage to cover final expenses or to leave your spouse well provided for you may want to look at a permanent life insurance solution.

There are many factors that go into making that decision and it is best that you go over your concerns with a licensed insurance professional who will be able to point you in the right direction.

When do I need to purchase Life Insurance ?

When it comes to buying life insurance, the younger you are the more affordable it will be . Premiums tend to be lower for younger people and stay the same throughout the policy period.

Also their may be changes in your life that present the need for Life Insurance, like getting married or having a new baby. Anytime that your loved ones would suffer financial loss in event of your unexpected death would be a good time to have life insurance.

How much life insurance do I need?

There are several factors that determine the amount of Life Insurance that you need such as:

  • Annual salary and how many years your family may need it.
  • Remaining mortgage balance.
  • Children's future college.
  • Living expenses (credit cards, auto payments, etc.)
  • Final Expenses.

We have a fact finding tool when you fill out the form on this page that will help you determine the amount of Life Insurance Protection that you may need.

Questions? We've got answers.

The best way to save on life insurance is to buy it when you're young and healthy. You'll likely get a lower premium which stays the same throughout the policy period.

Also it is important that you get your quotes from an agency that works with many different companies. This allows you to shop for the lowest rates for your particular age and health risk.

You should buy life insurance when your death would cause financial pain to someone that you care about.

Here are some factors to think about when gauging your life insurance term.

  • The length of your mortgage term.
  • When your last child will graduate college.
  • When your partner or spouse plans to retire.
  • Car payments.
  • Student loans.

Your life insurance term should be for the length of time that it takes to pay off your outstanding debts..

Experts advise you to review your life insurance coverage at least once every two years to insure that you have adequate coverage to protect your family in event of your death.

In addition every milestone in life such as a marriage, a new baby, a new mortgage etc.. should warrant a review.

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