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What You Need to Know about Life Insurance

Updated: Feb 24, 2020

Life insurance is part of any good financial plan. You have heard of savings and retirement, and you might even know a little about investments, but do you know the benefits of long-term financial planning? Life insurance protects your family and loved ones should anything ever happen to you.

Your agent can discuss the different types of life insurance with you and assist you in choosing the right plan for you. With term life insurance, you typically pay lower premiums, but your coverage is for a specified amount of time. At the end of the term, your insurance coverage will end. With permanent life insurance, you will pay higher premiums in the short term; however, your policy will allow you to accumulate cash value over time. Coverage will last as long as you pay the premiums.

Life insurance is affordable and necessary for the majority of people. Premiums may be higher if you add certain additional features and/or you are a smoker or have health problems. Those are things to discuss with your agent.

Any time a major event happens in your life, whether you get married, have children, buy a house/property, etc., it's a good time to consider life insurance. Policies can be changed at any time if you decide you need to increase or decrease your coverage.

Also, life insurance isn't tied up in estate claims, so it pays out quickly. As long as your premiums have been paid and your beneficiaries are current, your loved ones can contact your agent and get the ball rolling.

If you'd like to better understand the benefits of life insurance, come in and talk to one of our agents today. We can guide you through the process and help you choose the best policy for you and your budget. We're here to help. Call us today at 256-773-2698.

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