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Home > Blog > Life Insurance is for those who Live
SUNDAY, JULY 21, 2013

Life Insurance is for those who Live

Did you know that …
You are irreplaceable
But life insurance can help

If something happens to you, life insurance can help loved ones cope. Whether you’re young or old, married or single, have children or don’t, read on to learn how life insurance might apply to your individual situation and fit into your financial plans.

  • Single — Single people often think they don’t need life insurance and often they’re right. But if you have people who depend on you, are at risk for any serious medical conditions, or don’t want to burden anyone with your final expenses, you may want to consider life insurance.
  • Young adults, married ­— When you’re just starting out, life insurance is typically less expensive and easier to obtain if you’re healthy. If you or your spouse were to die, the other could use the proceeds to help repay significant debts, such as a mortgage, credit card balances, student loans, and the like.
  • Young adults, married with children — For parents of young children, life insurance is generally a necessity. If one parent were to die, life insurance proceeds may help the survivor maintain the family’s quality of life.
  • Single parent — Single parents often bear dual burdens — the sole source of income and the responsibility for the care and guidance of the children. Life insurance proceeds can provide financial assistance in the event a family’s sole caretaker passes away.
  • Empty nesters and retirees — Even if your children are financially independent, life insurance may still be an important part of your financial strategy. A widow or widower may need to pay off a mortgage and other debts. Life insurance may be part of your estate planning strategy or designed to help grandchildren accomplish important goals such as completing a college education.
  • Business owners — Life insurance is a valuable employee benefit and it can help a business owner attract and retain employees. Business-owned life insurance on key employees can help to make it financially possible for the business to hire and train a replacement in the event of the key person’s death. And life insurance proceeds can also help a surviving partner or family members purchase a deceased owner’s share of the business.
  • Paying for life insurance -   For life insurance you always want to pay this on an automatic bank draft so if you are incapacitated your life insurance does not lapse for non-payment.

It’s always difficult to lose someone you love — financial difficulties make it worse. Life insurance may help to provide financial relief for the people you care most about if you’re not there to care for them yourself.

Posted 6:31 PM

Tags: life insurance, independent insurance agency, houston insurance, texas insurance, estate planning, houston home insurance
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