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What is Life Insurance?

A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death.



Whole life insurance is a type of permanent life insurance designed to provide lifetime coverage. Because of the lifetime coverage period, whole life usually has higher premium payments than term life.

Term life insurance is an inexpensive way to provide financial protection for a specific period of time, such as 10, 15, 20, or 30 years. With traditional term insurance, the premium payment amount stays the same for the coverage period you select.  

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For many of us, this is the million-dollar question when it comes to buying life insurance. Fortunately, there are ways to help you with the numbers and determine how much coverage you may need to meet your responsibilities and to substitute your income upon your death. There are many ways to consider that can make a big difference in deciding how much life insurance to buy so you don't overestimate.

Even when someone dies, their debts remain alive and could eat up any assets they had planned on leaving to their heirs. When determining how much coverage you need, take into account the amount of debt you have.   


Clients fail to think about the immediate financial benefits that a life insurance policy can bring to a family when a loved one dies and a regular stream of income ends. 


Purchasing a home may be the biggest investment most people make.  Often times, both spouse’s income is needed to make ends meet. 

A loss of a love one and their income could be devastating for the surviving spouse and family.  


Your children’s education is valuable, therefore determine the right amount your family will need for life insurance and analyze your children’s education so their dreams don’t die when you do.


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