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Life Insurance- Do I need it?Why get life insurance?
First and foremost, to protect your family and those who depend on you for financial support. If you were to pass away, how would your family pay their bills? Who would pay the mortgage, groceries, utilities, tuitions, healthcare and life necessities? |
Is Life Insurance expensive?
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Life insurance does not have to be expensive. In fact, some ages can get a $250,000 policy for as little as $10 a month. That’s a small price to pay for being able to tick off a major financial to-do list, with a premium that costs less than a value meal at the local fast-food chain.
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Frequently asked Life Insurance questions
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Can I get Life insurance without a mini exam being completed in my home?
The short answer is Yes. No matter what an online life insurance website states, all insurers will review your application using a computer algorithm to evaluate you as a candidate for a policy. All insurers will then either issue your policy, or if their computer algorithm dictates, require that a mini-exam of your vitals be completed in the comfort of your own home. I heard there are many types of life insurance. What kinds of life insurance are available? The most common form of life insurance is a term life insurance policy. This coverage lasts for a specified length of time, assuming you maintain the policy. Typically, you choose a period of 10, 15, 20, or 30 years of level premium coverage. It's very easy for us to send you a quote of the lowest cost term coverage available from all of the insurance companies that offer this type of coverage What if I determine that I need coverage later in life after the term of coverage is expiring? When your guaranteed term length ends, you're no longer protected – you either must apply for a new policy at a higher cost (because you're older) or go without. However, many term policies may let you transition to a permanent policy in the future without re-evaluating your health status at that time. I have some life insurance through work. Why do I need my own policy? If you are laid off, move from full-time to part-time, or leave the company… in most cases, an employee cannot retain their policy. That means your family cannot count on your company life insurance policy to be there when you they need it. Now that I know it is easy to get some inexpensive Life Insurance, what do I do next? Call us for your hassle free, no obligation life insurance quote. Unlike the numerous online services that offer quotes, we never contact you relentlessly by phone and email to get you to sign up. In addition, we never outsource your email or phone number to any third party. Unsure of how much you need? Call us or try the life insurance needs calculator found here: https://lifehappens.org/life-insurance-needs-calculator/ |