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Why Term Life Insurance Might Be Right for You.

Term Life insurance offers flexibility, affordability, and customizable coverage - making it a great option for many families.  Here's what you need to know: 

• What is Term Life Insurance? 

You buy a policy for a set number of years (the "term" ).  If you pass away during that time, your beneficiary receives a lump sum cash payout called a death benefit.

• Why Choose Term Life? 

It's the most affordable type of life insurance.

Offers flexible coverage based on your needs.

Easy to understand and manage.

• Common Term Lengths:
  • 10 years
  • 15 years
  • 20 years
  • 30 years

• How to Choose the Right Term: 

Consider how long your loved ones will need financial support:

Short-term needs (e.g. While paying off a mortgage or until your kids graduate).

Long-term protections (e.g. to create a lasting safety net or replace income for years to come).

• Tailor Your Coverage: 

Your policy should reflect your personal and family goals. Think about your financial responsibilities and how long you want protection in place.

Thinking About Whole Life Insurance?

Here's What You Should Know:

• What is Whole Life Insurance? 

It's a type of life insurance that covers you for your entire life - not just a set number of years.

• Why Consider It?

It guarantees your family gets money (a death benefit) when you pass away. 

Your premium (monthly payment) stays the same, no surprises. 

It builds cash value you can barrow from it if you need money later. 

• Is It Right for You? 

Whole life is great if you want: 

• Lifetime protection
• To Leave a legacy for loved ones
• A backup savings plan that grows over time

• Why Choose Whole Life Insurance? 

It's dependable, stable, and gives you both protection and value.  Think of it as part insurance, part savings - built to give peace of mind for life. 

Understanding Universal Life Insurance: 

• What Is It? 

Universal life insurance is a type of permanent life insurance that offers lifetime coverage plus flexible payment and a cash value you can grow over time.

• Why Consider It? 

You can adjust your premium payment (pay more or less depending on your needs).

It builds cash value you can borrow from.

The policy can grow based on interest rates, offering potential for more savings.

• Is It Right for You?

Choose universal life if you want:

Flexibility in how much and when you pay.

Lifelong coverage.

A savings component that may grow faster with interest.

• Why Choose It Over Whole Life?

More flexibility in premiums and coverage.

Potential for higher cash value growth.

Can adjust your plan as your life changes.

Final Expense Insurance - What You Need to Know: 

• Covers the cost of end-of-life expenses, like funeral, burial, or medical bills.

• Designed to take the financial burden off your loved ones. 

• Offers smaller coverage amounts (usually $2,000-$25,000).

• Affordable monthly premiums, even on a tight budget. 

• No medical exam required for many plans.

• Quick and easy to apply and get approved. 

• Meant for older adults who want peace of mind. 

• Payout goes directly to your beneficiary.

• Helps your family handle costs without stress or debt. 

• A thoughtful way to leave one last give to care.